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McLaughlin, Oshawa
$890,000
Welcome to 609 Annapolis Avenue, a spacious three-level side split situated on an impressive 86.7 x 140 ft lot in Oshawa's established McLaughlin neighbourhood, near the Whitby border. This well-maintained three-bedroom home offers a functional, family-friendly layout with hardwood flooring, a bright living room with a large picture window and a separate dining area.The spacious living room features a vaulted ceiling, an oversized gas fireplace and a walkout to the backyard. The updated kitchen features newer appliances and a convenient pass-through overlooking the family room-perfect for entertaining and everyday family living. Upstairs, you'll find three comfortable bedrooms and an updated four-piece main bathroom. The finished lower level provides valuable additional living space with a recreation room, second gas fireplace, three-piece bathroom and a separate walk-up entrance to the backyard. With these existing features, the lower level offers excellent potential to be converted into a basement apartment, in-law suite or private living space. A large storage area also provides direct access to the garage. Outside, enjoy a private, hedge-lined backyard complete with a deck, mature perennial gardens and a storage shed. The attached garage and long private driveway provide parking for up to six vehicles. Ideally located close to schools, parks, public transit, Oshawa Centre and Highway 401. Notable improvements include a new roof completed in 2026, an updated kitchen and full interior painting completed in 2024, an updated main bathroom in 2019, newer kitchen appliances and washer and dryer installed in 2020, plus a rewired garage. A wonderful opportunity to own an updated family home with income potential on a rarely offered oversized lot.
No extras listed.
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| Type | Detached |
| Style | Sidesplit 3 |
| Approx. Age | Not available |
| Size | 1500-2000 sq. ft. |
| Property Tax | $5,985 |
| Lot Size | 86.7 ft x 140 ft |
| mls© Number | E13763338 |
| Listed By | PROPERTY.CA INC. |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
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Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $4,555
- Property tax
- $499
- Heat allowance
- $150
- Housing costs
- $5,204 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$160,000
gross annual household income
- Payment at 4%
- $3,745 / mo
- Cash down
- $178,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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