2509 Talbot Lane, Ramara

$684,900
2509 Talbot Lane

$684,900

New
3d
Detached2-Storey

2509 Talbot Lane, Ramara

Total Monthly Obligation $3,293

HausQ Valuation Report
Beds
3
Baths
2
Park
5
Sqft
1500-2000
DOM
3d
Score
19
Yield
4.4%
Cash on Cash
-3.8%
Cap Rate
3.8%
5Y IRR
12.6%
10Y IRR
12.2%
Property Type-Detached
MLS® Number-S14099392
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-43.54 × 120 ft
Listed on site-Oct 20, 2026
Style-2-Storey
Building Type-Detached
Taxes-$1,865 (2026)
Parking-5 - None
Basement-None
Heating-Forced Air (Propane)
Brokerage-RE/MAX HALLMARK FIRST GROUP REALTY LTD.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Vinyl Siding
Roof-Metal
Foundation-Slab
Sewer-Holding Tank
Possession-Flexible
Neighbourhood-Rural Ramara
Title-Residential Freehold

No agent assigned

Experience relaxed waterfront living at 2509 Talbot Lane, a beautifully redesigned and extensively renovated two-storey residence set directly on the Talbot River, flowing into Lake Simcoe. Offering 3 bedrooms and 2 bathrooms, this bright, open-concept home blends modern comfort with a peaceful natural setting. Enjoy direct river frontage, your own dock, and endless opportunities for fishing, kayaking, canoeing or simply relaxing by the water. Approximately 1.5 hours from the GTA, this property is ideal as a year-round home or private retreat. Extensive upgrades include a new high-efficiency furnace with central air, 200-amp electrical service, electric tankless on-demand water heater, and a private river-fed water system with pressure tank and pump, providing efficient, year-round comfort. The sale includes two parcels, with an additional parcel located across Talbot Lane, offering added outdoor and storage space. A unique opportunity to enjoy nature, privacy and modern waterfront living.

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

Closing Costs

Mortgage Amount
$547,920
Land Transfer Taxes$10,173
Legal Fees (Est.)
$
Total cash required for closing$148,653

Total Monthly Obligation

$3,293/mo
Mortgage $2,763
Monthly Loss $2,566
Principal$727
Interest$2,036
Property Tax$155
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.4%1
5-Year IRR
8.9%29
10-Year IRR
9.7%
Returns Index
15.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 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
$30,120/yr
NOI
$20,743/yr
Net Cash Flow
-$1,034/mo
Cash Margin
-41.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.638
LTV Ratio
80.0%18
Vacancy Buffer
2.9 mo49
Risk Index
24.8/ 100

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

Comparables

Properties near 2509 Talbot Lane

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.