3 Thomas Street, Oshawa

$624,900
3 Thomas Street

$624,900

New
18d
Semi-Detached 2-Storey

3 Thomas Street, Oshawa

Total Monthly Obligation $3,202

HausQ Valuation Report
Beds
3
Baths
2
Park
2
Sqft
1100-1500
DOM
18d
Score
22
Yield
5.8%
Cash on Cash
0.9%
Cap Rate
4.8%
5Y IRR
16.3%
10Y IRR
15.2%
Property Type-Semi-Detached
MLS® Number-E13860884
Beds-3
Bathrooms-2
Size-1100-1500 sqft
Lot Size-28.75 × 114.14 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Semi-Detached
Taxes-$3,674 (2026)
Parking-3 - Built-In
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-Homesmiths Real Estate Ltd.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Aluminum Siding, Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-Lakeview
Title-Residential Freehold

No agent assigned

This move-in-ready semi-detached 2-storey home sits in a family-friendly pocket near Simcoe & Ritson, close to Ed Broadbent Park (15-min walk) and Lakeview Park (20-min walk), and just steps from Bobby Orr Public School. Featuring 3 bedrooms and 2 washrooms, this bright home offers an updated kitchen with deep base drawers for maximum storage, living room that walks out to a deck overlooking a private, fenced backyard with a pond, patio, mature trees, and a storage shed - perfect for outdoor entertaining. Upstairs, the primary bedroom boasts a semi-ensuite and closet, alongside two additional bedrooms with closets and large windows. The finished basement adds valuable living space with a laundry area and extra storage. Additional highlights include a built-in garage with a dedicated 240v outlet for EV charging, driveway parking for 2, a 200-amp electrical panel, stainless steel dishwasher and fridge, a central heat pump providing both heating and cooling as well as a high efficiency gas furnace , and a foyer with a convenient main-floor 2-piece bath. A fantastic opportunity for families looking for space, updates, and an unbeatable location close to parks, schools and convenient access to the 401 and the GO train!

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$499,920
Land Transfer Taxes$8,973
Legal Fees (Est.)
$
Total cash required for closing$135,453

Total Monthly Obligation

$3,202/mo
Mortgage $2,521
Monthly Loss $2,539
Principal$663
Interest$1,857
Property Tax$306
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.9%26
Cash-on-Cash
-4.4%3
5-Year IRR
12.1%51
10-Year IRR
12.3%
Returns Index
26.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$36,072/yr
NOI
$24,291/yr
Net Cash Flow
-$496/mo
Cash Margin
-16.5%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.8014
LTV Ratio
80.0%18
Vacancy Buffer
3.0 mo50
Risk Index
27.4/ 100

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

Comparables

Properties near 3 Thomas Street

Time

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Data last updated within the past 24 hours.