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Coldwell Banker Summit Realty

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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale Listed 4 days ago

    20 Mill Street

    Central·Oshawa, ON·L1H 2Z3·Near Simcoe/Mill

    • 3 beds
    Oshawa real estate›E13558254
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Welcome to 20 Mill St, set on a rare oversized L shaped lot with residential and commercial zoning, offering incredible flexibility and a wide range of permitted uses.This charming home features 9 ft ceilings on the main floor, new vinyl flooring, two bedrooms on the main level, and an additional bedroom and full bath upstairs. The layout is bright and functional, with a side walk up basement entrance.The private backyard is a true retreat, surrounded by mature trees and greenery, and complemented by a large wooden deck and fencing for added privacy. The landscaped front entrance creating great curb appeal. A standout feature is the detached shop, over 700 sq ft, complete with heat, power, updated siding in 2022, and its own private access, ideal for a workspace, hobbyist, or additional storage.Extensive updates have already been completed, including a fully renovated kitchen in 2026, updated upstairs bathroom in 2026, main floor bathroom in 2021, primary bedroom and back room renovation in 2021, new porch flooring, door, and paint in 2022, fence in 2022, and deck in 2023.Perfectly located within walking distance to Oshawa Creek and scenic bike routes, and just minutes to Highway 401, transit, and the future Central GO Station directly across the street. This central location also offers easy access to Ontario Tech University, Durham College, and Trent University, making it ideal for both end users and investors.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 13, 2026ListedCurrentFor sale$589,999 —E13558254This page
    Jun 10, 2026Previously listedTer$619,900 —E13426524View
    Oct 15, 2025Previously listedTer$1 —E12469362View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Radiant
      Air conditioning
      Window Unit(s)
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 20 Mill Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Fenced Yard
    • Greenbelt/Conservation
    • Park
    • Public Transit
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,898
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $318
    0.65% mill rate · ON
    The market

    How this home sits in the Oshawa market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Oshawa market right now

    Average sold price, days on market, and closed-transaction count for Oshawa — sourced from MLS®.

    • Avg sold price
      $710,372
      Last 30 days
    • Median sold price
      $674,900
      Middle of the market
    • Days on market
      25 d
      Avg from list to close
    • Closed last 30d
      519
      MLS® transactions
    Full Oshawa market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 20 Mill Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 20 Mill Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 20 Mill Street listed for?

      20 Mill Street is listed at $589,999 on the MLS® (listing E13558254). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 20 Mill Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 1100-1500 sqft
  3. Detached
  4. Asking
    $589,999
    $0 / sqft · MLS® E13558254
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $710,372
    $653,542Confidence range$767,202
    Asking vs estimate
    ↓below
    −$120,373
    (-16.9%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Oshawa sell in about 25 days — this one has been listed 4 days.

    Avg sold price
    $710,372
    Median sold
    $674,900
    Avg days on market
    25
    Recently sold
    519
    See comparable sales
    Walk through online
    Listing agent has provided a interactive tour
    Open virtual tour
    • The landscaped front entrance creating great curb appeal.
    Ask Zara a follow-up
    Sewer
  6. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    2
    Parking spaces
    8
    Driveway
    Mutual
  7. Interior

    5
    Basement
    Crawl Space, Walk-Up
    Family room
    N
    Kitchens
    1
    Total rooms
    5
    Laundry level
    Lower Level
  8. Exterior & construction

    4
    Exterior
    Brick, Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Block
    Pool
    None
  9. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    1 1/2 Storey
    Property class
    Detached
  10. School
  11. School Bus Route
  12. Combined estimate
    $3,216
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,898
    /mo
    based on the purchase price of $589,999
    $118,000 cash
    $471,999 financed
    $397,547 total interest
    Monthly payment$2,898/ month
    Principal54%$471,999
    Interest46%$397,547

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Oshawa

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 276 Homestead Drive
      Sold
      Sign in for price
      276 Homestead Drive
      Detached
    • 1244 Ashgrove Crescent
      Sold
      Sign in for price
      1244 Ashgrove Crescent
      Detached
    • 839 Ormond Drive
      Sold
      Sign in for price
      839 Ormond Drive
      Detached
    • 259 Nipigon Street
      Sold
      Sign in for price
      259 Nipigon Street
      Detached
    • 986 Central Park Boulevard
      Sold
      Sign in for price
      986 Central Park Boulevard
      Detached
    • 528 Luple Avenue
      Sold
      Sign in for price
      528 Luple Avenue
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    20 Mill StreetThis home3 / 211,001,500$589,999ask———
    276 Homestead Drive3 / 32,000—
    1244 Ashgrove Crescent3 / 31,100—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Oshawa

    Active listings within ±20% of this asking price.

    • 793 Grierson Street
      $689,900
      793 Grierson Street
      Detached 2 1
    • 248 Mitchell Avenue
      $535,000
      248 Mitchell Avenue
      Detached 2 1
    • 195 Park Road
      $499,000
      195 Park Road
      Detached 2 3
    • 132 Highland Avenue
      $600,000
      132 Highland Avenue
      Detached 2 1
    • 163 Brunswick Court
      $699,900
      163 Brunswick Court
      Detached 3 3
    • 133 Sussex Street
      $649,900
      133 Sussex Street
      Detached 3 1
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  13. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  14. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  15. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  16. Public listing courtesy of Keller Williams Energy Real Estate · displayed on Summitly per MLS® data-share rules

    20 Mill Street is a 3-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 20 Mill Street built?

    The year built for 20 Mill Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  18. What is the property tax for 20 Mill Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 20 Mill Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 20 Mill Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $589,999 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 20 Mill Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 20 Mill Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 20 Mill Street in?

    20 Mill Street is in Central, Oshawa. The 'Neighbourhood' section below links to the live Oshawa real estate hub with average sold price, days on market, and current inventory.

  22. Is Oshawa a good place to live?

    Oshawa is one of ON's actively-tracked Summitly markets. The full Oshawa real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  23. 839 Ormond Drive
    4 / 3
    1,500
    —
    259 Nipigon Street3 / 2700—
    986 Central Park Boulevard3 / 21,100—
    528 Luple Avenue3 / 41,100—