609 Annapolis Avenue, Oshawa

$839,000
609 Annapolis Avenue

$839,000

New
17d
DetachedSidesplit 3

609 Annapolis Avenue, Oshawa

Total Monthly Obligation $4,242

Beds
3
Baths
2
Park
5
Sqft
1500-2000
DOM
17d
Score
17
Yield
4.1%
Cash on Cash
-6.8%
Cap Rate
3.1%
5Y IRR
10.2%
10Y IRR
10.4%
Property Type-Detached
MLS® Number-E13869412
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-86.7 × 140 ft
Listed on site-Oct 6, 2026
Style-Sidesplit 3
Building Type-Detached
Taxes-$5,797.26 (2026)
Parking-6 - Attached
Basement-Finished with Walk-Out
Heating-Forced Air (Gas)
Brokerage-PROPERTY.CA INC.
Cooling-Central Air
Laundry-No
Fireplace-Living Room, Natural Gas, Rec Room
Pool-None
Facing-South
Exterior-Aluminum Siding, Brick
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-McLaughlin
Title-Residential Freehold

No agent assigned

Welcome to 609 Annapolis Avenue, a spacious three-level sidesplit situated on an impressive 86.7 x 140 ft lot in Oshawa's established McLaughlin neighbourhood, near the Whitby border. This well-maintained three-bedroom home offers a functional, family-friendly layout with hardwood flooring, a bright living room with a large picture window and a separate dining area. The spacious living room features a vaulted ceiling, an oversized gas fireplace and a walkout to the backyard.The updated kitchen features newer appliances and a convenient pass-through overlooking the family room-perfect for entertaining and everyday family living. Upstairs, you'll find three comfortable bedrooms and an updated four-piece main bathroom. The finished lower level provides valuable additional living space with a recreation room, second gas fireplace, three-piece bathroom and a separate walk-up entrance to the backyard. With these existing features, the lower level offers excellent potential to be converted into abasement apartment, in-law suite or private living space. A large storage area also provides direct access to the garage. Outside, enjoy a private, hedge-lined backyard complete with a deck, mature perennial gardens and a storage shed. The attached garage and long private driveway provide parking for up to six vehicles. Ideally located close to schools, parks, public transit, Oshawa Centre and Highway 401. Notable improvements include a new roof completed in 2026, an updated kitchen and full interior painting completed in 2024, an updated main bathroom in 2019, newer kitchen appliances and washer and dryer installed in 2020, plus a rewired garage. A wonderful opportunity to own an updated family home with income potential on a rarely offered oversized lot.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$671,200
Land Transfer Taxes$13,255
Legal Fees (Est.)
$
Total cash required for closing$182,555

Total Monthly Obligation

$4,242/mo
Mortgage $3,384
Monthly Loss $3,352
Principal$891
Interest$2,494
Property Tax$483
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.0%1
5-Year IRR
7.0%18
10-Year IRR
8.3%
Returns Index
10.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$34,512/yr
NOI
$20,764/yr
Net Cash Flow
-$1,654/mo
Cash Margin
-57.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo36
Risk Index
19.7/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 609 Annapolis Avenue

Time

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