3906 Rosemary Lane, Innisfil

$869,900
3906 Rosemary Lane

$869,900

New
26d
DetachedBungalow-Raised

3906 Rosemary Lane, Innisfil

Total Monthly Obligation $4,228

Beds
4
Baths
2
Park
6
Sqft
1100-1500
DOM
26d
Score
17
Yield
3.9%
Cash on Cash
-6.9%
Cap Rate
3.1%
5Y IRR
10.1%
10Y IRR
10.3%
Property Type-Detached
MLS® Number-N13832948
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-114.51 × 106.01 ft
Listed on site-Sep 27, 2026
Style-Bungalow-Raised
Building Type-Detached
Taxes-$4,128 (2025)
Parking-8 - Attached
Basement-Separate Entrance, Finished
Heating-Forced Air (Gas)
Brokerage-HOMELIFE/FUTURE REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-West
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Septic
Possession-TBA
Neighbourhood-Rural Innisfil
Title-Residential Freehold

No agent assigned

Beautiful Raised Bungalow on a Premium 106 x 114.5 Ft Lot! Welcome to this charming 3+1 bedroom raised bungalow in the sought-after Big Bay Point neighbourhood, just minutes from Friday Harbour, offering shops, restaurants, recreation and scenic walking trails. Enjoy deeded access to the private community beach with a convenient boat launch for only $200/year. The main level features hardwood and ceramic flooring throughout, while both levels offer upgraded bathrooms. The lower level boasts a spacious family room with a gas fireplace, perfect for relaxing with family and friends. A separate rear entrance to the basement adds excellent flexibility and potential for future rental use or a variety of living arrangements. Enjoy a private backyard with no direct backyard neighbours in view and a beautiful forest view. Approved Town permit for a secondary dwelling is already in place, with full architectural drawings and design completed, along with approval for the septic rebuild should the secondary dwelling proceed. An excellent opportunity for a short-term rental investor, Airbnb operator or cottage owner-whether adding the secondary dwelling to expand rental potential, keeping the property as a personal cottage, or living in one dwelling while renting the other, subject to applicable requirements. The large driveway accommodates up to 6 vehicles, with plenty of room for guests and recreational toys. The spacious garage offers convenient interior access. A fantastic opportunity to enjoy a premium lot, comfortable home, private setting and exceptional flexibility, all in a sought-after location close to the lake and Friday Harbour.

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%
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$
$
(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$695,920
Land Transfer Taxes$13,873
Legal Fees (Est.)
$
Total cash required for closing$189,353

Total Monthly Obligation

$4,228/mo
Mortgage $3,509
Monthly Loss $3,305
Principal$923
Interest$2,586
Property Tax$344
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.5%15
Cash-on-Cash
-11.0%1
5-Year IRR
7.0%18
10-Year IRR
8.2%
Returns Index
10.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$33,600/yr
NOI
$21,612/yr
Net Cash Flow
-$1,708/mo
Cash Margin
-61.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.515
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo36
Risk Index
19.8/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 3906 Rosemary Lane

Time

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