108 Frederick Street, Oshawa

$649,000
108 Frederick Street

$649,000

New
2d
Detached2-Storey

108 Frederick Street, Oshawa

Total Monthly Obligation $3,353

Beds
4
Baths
2
Park
3
Sqft
1100-1500
DOM
2d
Score
21
Yield
5.5%
Cash on Cash
-0.5%
Cap Rate
4.5%
5Y IRR
15.2%
10Y IRR
14.3%
Property Type-Detached
MLS® Number-E14104702
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-34 × 96 ft
Listed on site-Oct 21, 2026
Style-2-Storey
Building Type-Detached
Taxes-$4,316.44 (2026)
Parking-4 - Detached
Basement-Separate Entrance, Finished
Heating-Forced Air (Gas)
Brokerage-CENTURY 21 LEADING EDGE REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Block
Sewer-Sewer
Possession-flexible
Neighbourhood-O'Neill
Title-Residential Freehold

No agent assigned

This charming almost century-old brick home, in a desirable neighbourhood offers you 2 stories, 3 bedrooms and an extra 4th room upstairs which would make a lovely home office or craft room.In this safe and family-friendly location you will be close to schools, parks, hospital, public transit and downtown Oshawa.Enjoy a bright and functional layout throughout. Walkout to the fully fenced and private backyard, perfect for entertaining, relaxing, and enjoying outdoor living. Upstairs, you'll find along with the3 bedrooms and bonus 4th room, a 4 piece bathroom with radiant floor heating.Perfect blend of comfort, character, and convenience. An outstanding opportunity for first time buyers, growing families, and savvy investors alike.

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$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$519,200
Land Transfer Taxes$9,455
Legal Fees (Est.)
$
Total cash required for closing$140,755

Total Monthly Obligation

$3,353/mo
Mortgage $2,618
Monthly Loss $2,664
Principal$689
Interest$1,929
Property Tax$360
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.6%2
5-Year IRR
11.2%44
10-Year IRR
11.5%
Returns Index
23.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$35,976/yr
NOI
$23,562/yr
Net Cash Flow
-$654/mo
Cash Margin
-21.8%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7512
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo47
Risk Index
25.8/ 100

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

Comparables

Properties near 108 Frederick Street

Time

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