48 Brock Street E
O'Neill, Oshawa
$695,000
Detached O'Neill home with 3+1 beds, 4 full 3-piece baths & 2 fully renovated kitchens. Flexible layout for extended/multigenerational living.Main: 9-ft ceilings, bright living room, quartz kitchen, backsplash, stainless-steel appliances & ample cabinetry, bedroom with large slidingcloset, full bath & mudroom/backyard access. 2nd: quartz kitchen, backsplash, stainless-steel appliances & ample cabinetry. Top: bedroom +full ensuite. Basement: separate entrance, bedroom, full bath, laundry, storage & waterproofing; in-law potential subject to approvals. Updates:vinyl flooring, brand-new windows (2026), doors, paint, renovated bathrooms, insulation, 200-amp panel, furnace/A/C (2020), owned waterheater. Exterior approx. 117 x 40-ft lot, huge fenced landscaped backyard, 2 large sheds, covered rear deck (2024), new front porch/roof(2026), paved private driveway (2026), landscaping, 3-car parking + backyard gate. Near GO, schools, hospital, shopping, university/college.Owned no tenants.**Interboard Listing: Windsor-Essex County Association of REALTORS**
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| Type | Detached |
| Style | 2 1/2 Storey |
| Approx. Age | 100+ |
| Size | 1500-2000 sq. ft. |
| Property Tax | $4,458 |
| Lot Size | 38 ft x 132 ft |
| mls© Number | E14087138 |
| Listed By | List It Realty Brokerage Inc. |
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- No recent sale history for this listing.
- No recent lease history for this listing.
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What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $3,557
- Property tax
- $372
- Heat allowance
- $150
- Housing costs
- $4,079 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$126,000
gross annual household income
- Payment at 4%
- $2,925 / mo
- Cash down
- $139,000
Assumes no other monthly debts · 25-yr amortization
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