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Listed 22 days ago

20 Mill Street

Central, Oshawa

$589,999

Detached|1 1/2 Storey
3 | 2 | 8
About this home

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.

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Milad Momtaz Azad
Milad Momtaz Azad
(647) 510-8858
Julian Kashani
Julian Kashani
(416) 837-7775
TypeDetached
Style1 1/2 Storey
Approx. AgeNot available
Size1100-1500 sq. ft.
Property Tax$3,811
Lot Size39.5 ft x 153.64 ft
mls© NumberE13558254
Listed ByKeller Williams Energy Real Estate

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Schools

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$3,020
Property tax
$318
Heat allowance
$150
Housing costs
$3,487 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $118,000
25-yr amortization

Income needed

$107,000

gross annual household income

Payment at 4%
$2,483 / mo
Cash down
$118,000

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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