195 Albert Street, Oshawa, ON

$789,900
MLS#:E13250066
5 beds
4 baths
1500-2000 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 3-Storey fourplex located in the coveted neighborhood of Central. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $789,900 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.

  • 5 Bedrooms and 4 Bathrooms with 4 functional kitchens
  • Generous living space spanning 1500-2000 sqft on a premium 53 x 107 ft lot
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Accessory Apartment
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This PRICED TO SELL INVESTMENT PROPERTY is conveniently located in the heart of Oshawa and a short walk from UOIT's downtown campus. This legal, 4 unit dwelling is a great opportunity for an investor to rent all four units or live in one unit and rent the others for rental income towards your mortgage. Clean, bright and spacious, the main floor unit offers a two bedroom unit with finished basement. The 2nd and 3rd units on the second level, renovated in 2020, offer bachelor suites with a great layout and the 4th unit on the third level is a bachelor unit providing an opportunity to renovate to your liking. Smoke detectors are hardwired throughout. Backyard boasts a two car garage with concrete floor, metal roof and hydro, and a parking pad offering plenty of space for four additional cars. Three units are currently tenanted and one vacant bachelor unit on second floor.

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Key Features

Bedrooms
5
Bathrooms
4
Kitchens
4
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/5/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeFourplex
Architectural Style3-Storey
ConstructionBrick
BasementFinished
Lot Size53 × 107 Feet
CountyDurham
Annual Tax$5,457.62
Legal DescriptionPT LT 67 PL 44 OSHAWA AS IN D444542; OSHAWA

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Accessory Apartment

Security Features

Community Features

Location

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195 Albert 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 195 Albert Street, Oshawa, ON L1H 4R4

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 Rate5.25%
Down Payment$53,990 (6.8%)
* Minimum Canadian down payment required for this price is $53,990.
Amortization Period25 Years
Estimated Monthly Payment$4,385Based on a loan of $735,910 over 25 years.
Purchase Price$789,900
Loan Amount$735,910
Provincial Land Transfer Tax:$12,273
Total Estimated Closing Taxes:$12,273

About Purchasing a Home in Oshawa, ON

For a property listed at $789,900 in Oshawa, the legal minimum down payment is $53,990 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 $12,273 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 $12,273.

Nearby Listings

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No current listings found in Oshawa.

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City & Neighborhood Guide

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

Verified Local Data
City Population415,311
City Median Age39.6 Yrs
City Ownership75% Owners
Avg Area List Price$662,896

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

St Hedwig
Public421 Olive Avenue, Oshawa, Ontario, L1H 2R2
0.9
Village Union
Public155 Gibb Street, Oshawa, Ontario, L1J 1Y4
3.8
David Bouchard
Public460 Sedan Crescent, Oshawa, Ontario, L1H 6C9
3.0
Mary Street Community
Public110 Mary Street North, Oshawa, Ontario, L1G 7S2
3.1
Clara Hughes
Public610 Taylor Avenue, Oshawa, Ontario, L1H 2E7
4.2

Secondary Schools

Monsignor John Pereyma
Public316 Conant Street, Oshawa, Ontario, L1H 3S6
5.6
O’Neill
Public301 Simcoe Street North, Oshawa, Ontario, L1G 4T2
5.7

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.