
1296 Tall Pine Avenue, Oshawa
Oshawa
$1,099,000
Cash flow, cap rate & mortgage breakdown
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Listed by CENTURY 21 LEGACY LTD.
Investment Analysis
Key Facts
Type
Detached
Bedrooms
7
Bathrooms
5
Days on Market
19
Price Drop
6%
Year Built
N/A
Status
Active
Basement Income
Suite Potential (+$1,445/mo)
Rent Estimate
Estimated from market price-to-rent ratios · Verify suite legality with the City of Mississauga
Remarks
Welcome to 1296 Tall Pine Ave - a rare Pinecrest offering combining space, style, and a legal income suite in one exceptional package. This beautifully finished detached 2-storey delivers nearly 3,900 sq ft of total living space, including a legal, City-registered 2-bedroom basement apartment with its own separate entrance and full kitchen - a true mortgage-helper or in-law suite that sets this home apart, and Basement currently rented for $1,700/month. Upstairs, the main residence impresses with 5 spacious bedrooms and 5 bathrooms, hardwood flooring throughout, and a bright, open-concept layout built for everyday living and effortless entertaining. The chef-inspired kitchen features granite countertops, stainless steel appliances including a brand-new fridge, and a breakfast bar walking out to the deck. Cozy up in the family room beside a warm gas fireplace, or host in the combined living and dining spaces. The primary retreat offers a luxurious 5-piece ensuite and generous walk-in closet, while three more bedrooms offer ensuite or semi-ensuite access - ideal for a growing or multi-generational family.Step outside to a large deck and fully fenced backyard, perfect for summer barbecues and family time. A built-in double garage plus parking for 6 vehicles total means room for everyone.Location is everything: minutes from Oshawa Centre (230+ stores, restaurants, entertainment) and the Taunton Road shopping corridor for groceries, dining, and the cinema. Easy access to Oshawa GO Station and Highway 401 makes commuting to Toronto effortless, while Harmony Valley Conservation Area and nearby parks offer trails and green space right outside your door.This is more than a house - it's a rare opportunity. A move-in ready family home with a legal income suite built in, in one of Oshawa's most desirable communities.
MississaugaInvestor.ca
1296 Tall Pine Avenue
Detached · 7bd/5ba · ~2,750 sqft
$1,099,000
Cash-Flow Report · July 31, 2026
Cap Rate
2.52%
Monthly Cash Flow
-$2,750/mo
Estimated Rent
$4,895/mo
Cash-on-Cash
-13.68%
Monthly (20% down · 4.89% rate · 25yr)
| Gross Rent | +$4,895 |
| Mortgage | −$5,059 |
| Property Tax | −$1,200 |
| Insurance | −$225 |
| Maintenance (1% of value/yr) | −$916 |
| Vacancy (5%) | −$245 |
| Cash Flow | -$2,750/mo |
Annual NOI & Cap Rate (All-Cash)
| Gross Rent | +$58,740 |
| Vacancy (5%) | −$2,937 |
| Property Tax | −$14,397 |
| Insurance | −$2,700 |
| Maintenance (1% of value/yr) | −$10,990 |
| Annual NOI | $27,716 |
| Cap Rate | 2.52% |
Cash Required to Close
| Down Payment (20%) | $219,800 |
| Ontario Land Transfer Tax | $18,455 |
| Legal & Title Insurance | $2,500 |
| Inspection & Misc | $500 |
| Total Cash Required | $241,255 |
Assumptions: 20% down · 4.89% rate · 25yr amort · Canadian semi-annual compounding · $225/mo insurance · maintenance reserve = greater of 8% of rent or 1% of value/yr (condo fee replaces it) · 5% vacancy · rent estimated from neighbourhood MLS comps. All figures are estimates — verify with a licensed professional before making an investment decision.
Prepared by Hamza Nouman · RECO-registered Investor Specialist · 647-609-1289 · hamza@nouman.ca · MississaugaInvestor.ca
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