106 Elgin Street, Oshawa, ON

$739,900
MLS#:E12323546
4 beds
2 baths
1100-1500 sqft
13.0 parking
Residential Freehold
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Property no longer active

This property was sold on November 4, 2025. This listing is for reference purposes only. to view the sold price.

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of O'Neill. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $739,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 66.06 x 133.84 ft lot
  • Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 13.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Carpet Free, Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 106 Elgin Street East - a beautiful detached two-story century home that is full of character, and modern updates. Set on an oversized lot in the heart of O'Neil in Oshawa, this home features a welcoming verandah, gated fencing, and generous parking, just steps from schools, transit, and all the shops you need! Inside, you'll find the home maintains its century home feel with beautiful updates. The main level features original trim and a classic staircase, complemented by shiplap accents and a built-in fireplace. A sliding barn door leads to a den off the spacious dining room, which can be used as a home office, kids play area, or easily converted to a 4th bedroom or even a main floor laundry room! The recently renovated kitchen is bright and modern, complete with white quality cabinetry, quartz countertops, and stainless steel appliances. Upstairs, you'll find three spacious and sunlit bedrooms, along with a recently updated bathroom. A side entrance from the back porch provides separate access to the original, unfinished basement, perfect for storage or future development. Outdoor living is just as inviting, with a beautiful deck for entertaining, a direct gas line for BBQs, and a fully fenced yard offering ample privacy. The historic barn has been converted into a functional workshop space, and the large garage and carport can house three vehicles. Every major system has been updated, including windows, electrical, plumbing, shingles, furnace, decks, doors, and more. Located in prime Oshawa on a quiet street lined with mature trees, you'll be just minutes from the Oshawa Valley Botanical Gardens, The Robert McLaughlin Gallery, and the Oshawa Golf and Curling Club. This Property has Duplex Zoning.

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Property Summary

This detached home located at 106 Elgin Street, Oshawa is currently for sale and has been available on SousaSells for 346 days. This property is listed at $739,900 with an estimated mortgage of $2,463* per month. It has 4 beds, 2 bathrooms, and is 1100-1500 square feet. 106 Elgin Street, Oshawa is in the O'Neill neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateAugust 15, 2025
Sold price information is available to members only
Listed Date8/5/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFull
Lot Size66.06 × 133.84 Feet
CountyDurham
Annual Tax$4,481.36
Legal DescriptionPT LT 38 PL 45 EAST WHITBY AS IN D177135; OSHAWA

Parking & Garage

Parking Total13.0
Parking Space10
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Carpet Free, Water Heater

Security Features

Community Features

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Location

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106 Elgin Street, Oshawa, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 106 Elgin Street E, Oshawa, ON L1G 1T3

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Oshawa.

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Interest Rate4.00%
Down Payment$221,970 (30.0%)
* Minimum Canadian down payment required for this price is $48,990.
Amortization Period30 Years
Estimated Monthly Payment$2,463Based on a loan of $517,930 over 30 years.
Purchase Price$739,900
Loan Amount$517,930
Provincial Land Transfer Tax:$11,273
Total Estimated Closing Taxes:$11,273

About Purchasing a Home in Oshawa, ON

For a property listed at $739,900 in Oshawa, the legal minimum down payment is $48,990 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $11,273 for this transaction. As this listing is in Oshawa (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $11,273.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for O'Neill, Oshawa.

Verified Local Data
City Population415,311
City Median Age39.6 Yrs
City Ownership75% Owners
Avg Area List Price$710,467

People & Families

Age Distribution

Household Composition

One-person households
21%
Families with children
53%
Couples without children
26%
Other households
0%

Top Ethnic Origins

English23%
Scottish18%
Irish18%
Canadian16%

Local Schools Guide

Elementary Schools

Mary Street Community
Public110 Mary Street North, Oshawa, Ontario, L1G 7S2
3.1
Hillsdale
Public525 Oshawa Boulevard North, Oshawa, Ontario, L1G 5T6
5.3
Coronation
Public441 Adelaide Avenue East, Oshawa, Ontario, L1G 2A4
7.3
Sir Albert Love
Public425 Wilson Road North, Oshawa, Ontario, L1G 6E6
5.7
St Christopher
Public431 Annapolis Avenue, Oshawa, Ontario, L1J 2Y5
3.7

Secondary Schools

O’Neill
Public301 Simcoe Street North, Oshawa, Ontario, L1G 4T2
5.7
Eastdale
Public265 Harmony Road North, Oshawa, Ontario, L1G 6L4
4.2

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied75%
Rented25%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.