98 Thorncliffe Street, Oshawa

$699,000
98 Thorncliffe Street

$699,000

New
8d
DetachedBacksplit 3

98 Thorncliffe Street, Oshawa

Total Monthly Obligation $3,605

Beds
3
Baths
2
Park
4
Sqft
700-1100
DOM
8d
Score
17
Yield
4.2%
Cash on Cash
-6.5%
Cap Rate
3.2%
5Y IRR
10.5%
10Y IRR
10.6%
Property Type-Detached
MLS® Number-E14082534
Beds-3
Bathrooms-2
Size-700-1100 sqft
Lot Size-52.99 × 100 ft
Listed on site-Oct 15, 2026
Style-Backsplit 3
Building Type-Detached
Age-51-99
Taxes-$4,930.82 (2026)
Parking-4 - None
Basement-Separate Entrance
Heating-Forced Air (Gas)
Brokerage-RE/MAX REALTRON REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-East
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-TBA
Neighbourhood-Donevan
Title-Residential Freehold

No agent assigned

Welcome to 98 Thorncliffe Street! Beautifully renovated and meticulously maintained, this inviting3-level backsplit sits on a generous corner lot in Oshawa's desirable Donevan neighbourhood. The bright,open-concept main floor features soaring vaulted ceilings above the living and dining rooms, warmhardwood flooring and elegant wainscoting. A gas fireplace insert in the dining area creates a welcomingsetting for entertaining. The gorgeous kitchen offers granite countertops, a marble backsplash, a breakfastbar and a spacious pantry.A standout feature is the impressive 18 15 ft four-season sunroom, complete with heating, airconditioning, slate flooring and a pine ceiling. Overlooking the landscaped backyard, interlock patio andcustom pergola, this exceptional space offers year-round enjoyment.The upper level features three well-proportioned bedrooms, hardwood flooring and a renovated 4-piecebathroom. The lower level adds comfortable living space with a family room featuring a freestanding gasfireplace, a cozy den and a second renovated bathroom.Lush gardens, attractive landscaping and a convenient carport complete this move-in-ready home. Ideallylocated close to schools, parks and major commuter routes, this property offers comfort, character andspace for the whole family.

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$559,200
Land Transfer Taxes$10,455
Legal Fees (Est.)
$
Total cash required for closing$151,755

Total Monthly Obligation

$3,605/mo
Mortgage $2,820
Monthly Loss $2,864
Principal$742
Interest$2,078
Property Tax$411
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.1%1
5-Year IRR
7.0%18
10-Year IRR
8.3%
Returns Index
10.3/ 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
$29,604/yr
NOI
$17,213/yr
Net Cash Flow
-$1,385/mo
Cash Margin
-56.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
2.7 mo44
Risk Index
22.3/ 100

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

Comparables

Properties near 98 Thorncliffe Street

Time

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Data last updated within the past 24 hours.