95 Oswald St is a 3-bedroom, 2-bathroom detached home in Thunder Bay, listed for $409,900. It has 1100-1500 sq ft of living space.
1Charming, updated and full of character!
2Step inside to a bright, open-concept living and dining space that flows seamlessly into the updated kitchen, complete with granite countertops, gas stove, plenty of cabinetry and soft-close doors and drawers.
3Major updates include siding, shingles, AC, decking, interior paint, bathroom renovations and much more.
Charming, updated and full of character! This adorable 2+1 bedroom, 2 bathroom home is tucked away in a quiet Shuniah neighbourhood and has been extensively renovated throughout. Step inside to a bright, open-concept living and dining space that flows seamlessly into the updated kitchen, complete with granite countertops, gas stove, plenty of cabinetry and soft-close doors and drawers. A spacious back entranceway provides a practical everyday entry with plenty of room for shoes, jackets and outdoor essentials.The home features two full bathrooms, with the lower-level bathroom recently renovated, plus a versatile third bedroom downstairs with a large walk-in closet. Major updates include siding, shingles, AC, decking, interior paint, bathroom renovations and much more. The home offers an impressive amount of storage throughout, with a practical layout and no wasted space. Outside, enjoy the fully fenced 54 x 118 ft lot, double-wide private driveway, and a great-sized shed with covered overhang, providing plenty of parking, storage and outdoor convenience. With its unique layout, character-filled bedrooms and extensive updates, this is a home that stands out from the rest. Move-in ready and waiting for its next owners!
3 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $373 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 95 Oswald St
Every detail from the listing, in one place.
Type
Detached
Style
1 1/2 Storey
Living space
1100-1500 sq ftas stated on the listing
Parking
7 spaces
Basement
Full, Finished
Features & systems
Parking & garage
Parking spaces
7
Interior
Basement
Full · Finished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
1 1/2 Storey
Property class
Detached
95 Oswald St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14021988$409,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 95 Oswald St Compares to the Thunder Bay Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
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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
$2,014
/mo
based on the purchase price of $409,900
$81,980 cash
$327,920 financed
$276,195 total interest
Principal54%$327,920
Interest46%$276,195
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 Thunder Bay
Other 2–4 bed homes for sale in Thunder Bay around $410K.
Average days on market25Homes sold in about 25 days on average.
Sale-to-list ratio106.4%On average, homes sold at or above asking.
Active listings189Homes for sale here right now.
Median vs prior 90 days+2.5%Compared with Apr 16 – Jul 15, 2026: prices up.
Based on 506 sales from Jul 15 – Oct 13, 2026 (279 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 95 Oswald St
How much is 95 Oswald St listed for?
95 Oswald St is listed at $409,900 (MLS® X14021988). Summitly updates the price as soon as the MLS® record changes.
Is $409,900 a good price for 95 Oswald St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Thunder Bay. 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 95 Oswald St changed?
No — 95 Oswald St is still listed at its original asking price of $409,900.
How many bedrooms and bathrooms does 95 Oswald St have?
95 Oswald St has 3 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a detached home in Thunder Bay.
How much would the monthly mortgage be on 95 Oswald St?
About $2,014 a month — principal and interest on $409,900 with 20% down ($81,980), 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 95 Oswald St compare with other homes in Thunder Bay?
Its asking price of $409,900 is about the same as the median sold price in Thunder Bay over the last 90 days, $410,000, across 506 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 95 Oswald St been sold before?
Summitly has no earlier MLS® sale or lease of 95 Oswald St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 95 Oswald St?
95 Oswald St is in Thunder Bay, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 95 Oswald St been on the market?
95 Oswald St was listed today (October 13, 2026).
What is the price per square foot of 95 Oswald St?
About $273 to $373 per square foot: the asking price of $409,900 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 95 Oswald St have parking or a garage?
Yes — the listing gives 7 parking spaces.
Does 95 Oswald St have a basement, and is it finished?
The listing describes the basement as: Full, Finished.
