20 Elgin Street, Oshawa, ON

$999,999
MLS#:E13001474
0 beds
0 baths
Commercial
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Property Highlights

Welcome to this remarkable office located in the coveted neighborhood of O'Neill. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $999,999 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.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 80.02 x 73.83 ft lot size
  • equipped with yes central cooling and highly efficient gas forced air closed heating

Description

Client RemarksFantastic Opportunity to Own a Fully Renovated Commercial Space. Turnkey. Professional. Prime Location. Completely renovated from top to bottom, this impressive commercial property offers four finished levels of functional workspace designed to support a growing business or investment portfolio - all in an unbeatable, high-demand area. Features Include: Four levels of beautifully finished space, Multiple private offices, Dedicated kitchen area, Two bathrooms, Flexible layout - easily configured into two separate office spaces Ideal for professional services, medical, legal, creative, or shared workspace use. Location Highlights: Walking distance to the courthouse, Surrounded by restaurants and amenities. Just five minutes from the hospital, High-visibility, accessible setting for clients and staff. Whether you're expanding your business, launching something new, or securing a strategic investment, this property delivers flexibility, convenience, and long-term value. Come check it out today!

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Key Features

Property Type
Commercial

Additional Details

StatusActive
Listed Date4/15/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeOffice
Lot Size80.02 × 73.83 Feet
CountyDurham
Annual Tax$14,744.81
Legal DescriptionPT LT 20 PL 164 EAST WHITBY PT 2 40R8758 CITY OF OSHAWA

Parking & Garage

Garage Spaces9
Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Closed
CoolingYes

Features

Property Features

Interior Features

Security Features

No

Community Features

Location

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20 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 20 Elgin Street E, Oshawa, ON L1G 1S8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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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$75,000 (7.5%)
* Minimum Canadian down payment required for this price is $75,000.
Amortization Period25 Years
Estimated Monthly Payment$5,512Based on a loan of $924,999 over 25 years.
Purchase Price$999,999
Loan Amount$924,999
Provincial Land Transfer Tax:$16,475
Total Estimated Closing Taxes:$16,475

About Purchasing a Home in Oshawa, ON

For a property listed at $999,999 in Oshawa, the legal minimum down payment is $75,000 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 $16,475 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 $16,475.

Nearby Listings

Distance:

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 O'Neill, Oshawa.

Verified Local Data
City Population415,311
City Median Age39.6 Yrs
City Ownership75% Owners
Avg Area List Price$751,086

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
Coronation
Public441 Adelaide Avenue East, Oshawa, Ontario, L1G 2A4
7.3
Hillsdale
Public525 Oshawa Boulevard North, Oshawa, Ontario, L1G 5T6
5.3
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.