Very Well Kept North Facing Detached House In Quite Neighborhood Of Oshawa. This House Features 3 Bedrooms Above Ground & 1 Bedroom In Basement.Room On Main Floor For Convenience. Upgraded White Kitchen Cabinets. Upgraded Doors. Potlights & Living Area. Basement Features Side Entrance, 1 Bedroom, Kitchen & 3 Piece Washroom. Owned Hot Water, Newer Furnace, Vinyl Windows. Updated Upstairs Bathroom. New Basement Flooring (2021), Deck In Backyard (2023). New Extended Driveway, 4 Car Parking Spots. Enjoy BBQ In Huge Backyard With Your Family. Nestled In A Prime Oshawa Location Close To Schools, Parks, Shopping, And Transit,Costco. This Move-In-Ready Gem Is A Must-See.
3 bedrooms, 2 bathrooms, about 700 sq ft, works out to roughly $1,034 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 401 Elgin St St E
Every detail from the listing, in one place.
Type
Detached
Style
1 1/2 Storey
Living space
700-1100 sq ftas stated on the listing
Lot size
46.00 x 106.50 Feet
Parking
4 spaces
Basement
Finished, Separate Entrance
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Finished · Separate Entrance
Lot & land
Lot dimensions
46.00 x 106.50 Feet
Lot size (sqft)
0
Listing & possession
Property style
1 1/2 Storey
Property class
Detached
401 Elgin St St E Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$3,557
/mo
based on the purchase price of $724,000
$144,800 cash
$579,200 financed
$487,838 total interest
Principal54%$579,200
Interest46%$487,838
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Similar homes for sale nearby in Oshawa
Other 2–4 bed homes for sale in Oshawa around $724K.
Average days on market29Homes sold in about 29 days on average.
Sale-to-list ratio99.2%On average, homes sold below asking.
Active listings759Homes for sale here right now.
Median vs prior 90 days−4.0%Compared with May 11 – Aug 9, 2026: prices down.
Based on 664 sales from Aug 9 – Nov 7, 2026 (540 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
401 Elgin St St E is listed at $724,000 (MLS® E13604454). Summitly updates the price as soon as the MLS® record changes.
Is $724,000 a good price for 401 Elgin St St E?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Oshawa. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 401 Elgin St St E changed?
Yes — it was first listed at $749,000 and is now $724,000, a drop of $25,000 (3.3%).
How many bedrooms and bathrooms does 401 Elgin St St E have?
401 Elgin St St E has 3 bedrooms and 2 bathrooms, with about 700–1,100 square feet of living space. It is a detached home in Oshawa.
Is 401 Elgin St St E close to transit?
The nearest rapid-transit station is Oshawa GO Station (Lakeshore East GO), about 4.7 km in a straight line. Distances are straight-line, not walking routes; check the transit agency for routes and schedules.
How much would the monthly mortgage be on 401 Elgin St St E?
About $3,557 a month — principal and interest on $724,000 with 20% down ($144,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 401 Elgin St St E compare with other homes in Oshawa?
Its asking price of $724,000 is about 11% above the median sold price in Oshawa over the last 90 days, $652,000, across 664 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 401 Elgin St St E been sold before?
Summitly has no earlier MLS® sale or lease of 401 Elgin St St E on record from the last two years. Older records aren't shown under TRREB rules.
Where is 401 Elgin St St E?
401 Elgin St St E is in Oshawa, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 401 Elgin St St E been on the market?
106 days — 401 Elgin St St E was listed on July 24, 2026.
What is the price per square foot of 401 Elgin St St E?
About $658 to $1,034 per square foot: the asking price of $724,000 over the 700–1,100 sq ft the listing gives as its size range.
