312 Gibbons Street, Oshawa

$719,900
312 Gibbons Street

$719,900

New
9d
DetachedBungalow

312 Gibbons Street, Oshawa

Total Monthly Obligation $3,690

HausQ Valuation Report
Beds
4
Baths
2
Park
2
Sqft
700-1100
DOM
9d
Score
16
Yield
3.3%
Cash on Cash
-10.5%
Cap Rate
2.3%
5Y IRR
7.4%
10Y IRR
8.2%
Property Type-Detached
MLS® Number-E14034282
Beds-4
Bathrooms-2
Size-700-1100 sqft
Lot Size-44 × 118 ft
Listed on site-Oct 14, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,939.3 (2025)
Parking-4 - Detached
Basement-Apartment, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-Royal LePage Our Neighbourhood Realty
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-McLaughlin
Title-Residential Freehold

No agent assigned

Legal, City-registered duplex bungalow with a heated double garage in west Oshawa's McLaughlin neighbourhood, ideal for an owner-occupier or investor. The main floor offers 2 bedrooms and a kitchen with granite counters and a gas stove. The dining room is separated by a built-in bookcase, so it can be used as a 3rd bedroom or easily opened up to the living room, and is currently used as a dining area. The lower unit features 1 bedroom, a large kitchen and egress windows. Each unit has its own laundry room with its own washer and dryer.The big-ticket items are done: an owned tankless water heater (2025), 200-amp electrical service (2021), plus roof, furnace and central air (2015), and lower-level windows (2015). The house is built for safety and quiet between units, with a sprinklers in both the laundry rooms, Roxul insulation across the entire ceiling, and smoke detectors tied into the furnace.The double garage, built in 2021, has Roxul-insulated walls, a blown-in insulated ceiling and gas radiant in-floor heat. Use it as a workshop or for year-round parking and storage. The location is close to the Oshawa Centre, transit, schools and the 401.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$575,920
Land Transfer Taxes$10,873
Legal Fees (Est.)
$
Total cash required for closing$156,353

Total Monthly Obligation

$3,690/mo
Mortgage $2,904
Monthly Loss $2,926
Principal$764
Interest$2,140
Property Tax$412
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.7%10
Cash-on-Cash
-14.7%0
5-Year IRR
4.1%9
10-Year IRR
6.1%
Returns Index
5.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$23,928/yr
NOI
$12,096/yr
Net Cash Flow
-$1,896/mo
Cash Margin
-95.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.353
LTV Ratio
80.0%18
Vacancy Buffer
2.6 mo43
Risk Index
21.2/ 100

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

Comparables

Properties near 312 Gibbons Street

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