10 Front Road, Loyalist

$575,000
10 Front Road

$575,000

Extension
206d
Detached1 1/2 Storey

10 Front Road, Loyalist

Total Monthly Obligation $2,851

Beds
2
Baths
1
Park
2
Sqft
1500-2000
DOM
206d
Score
22
Yield
5.5%
Cash on Cash
0.7%
Cap Rate
4.7%
5Y IRR
16.1%
10Y IRR
15.1%
Property Type-Detached
MLS® Number-X12938322
Beds-2
Bathrooms-1
Size-1500-2000 sqft
Lot Size-305.09 × 514.65 ft
Listed on site-Mar 31, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$1,879.61 (2026)
Parking-2 - None
Basement-Unfinished, Partial Basement
Heating-Baseboard (Electric)
Brokerage-RE/MAX FINEST REALTY INC., BROKERAGE
Cooling-None
Laundry-No
Fireplace-Propane
Pool-None
Facing-East
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Septic
Possession-Immediate
Neighbourhood-Amherst Island
Title-Residential Freehold

No agent assigned

Imagine trading your daily routine for life on Amherst Island, reached by a scenic 15-minute ferry crossing from Millhaven. At 10 Front Road, you'll find a true four-season waterfront retreat set on 4.2 level acres with 305 feet of deeded waterfront along Lake Ontario's North Channel. This fully winterized century home, built in 1918, offers the charm of a classic cottage with the comfort of year-round living, so it's just as inviting for a weekend escape as it is for settling in through every season. The main floor has a spacious dining room, a cozy living room warmed by a propane stove, and a bright sunroom with water. The primary bedroom is conveniently located on the main floor, while a second bedroom and additional storage await upstairs. The deck and porch are perfect for watching the sun rise over the fields and set over the water. Spend your days kayaking, fishing, and birdwatching right from your own clean, level shoreline. The open acreage gives you room to garden, entertain, or simply enjoy the quiet of island life, with panoramic views over the bay, lake, and surrounding pastureland. Amherst Island is known for its close-knit community and natural beauty, with a general store, seasonal restaurant, museum, and artisan studios all just a short drive away. Whether you're looking for a peaceful getaway or a place to call home full-time, 10 Front Road offers a rare chance to own a genuine slice of waterfront cottage country, just a short ferry ride from the mainland.

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

Closing Costs

Mortgage Amount
$460,000
Land Transfer Taxes$7,975
Legal Fees (Est.)
$
Total cash required for closing$124,475

Total Monthly Obligation

$2,851/mo
Mortgage $2,319
Monthly Loss $2,241
Principal$610
Interest$1,709
Property Tax$157
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.8%25
Cash-on-Cash
-4.7%2
5-Year IRR
11.9%49
10-Year IRR
12.1%
Returns Index
25.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$31,560/yr
NOI
$22,024/yr
Net Cash Flow
-$484/mo
Cash Margin
-18.4%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7914
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo57
Risk Index
29.7/ 100

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

Comparables

Properties near 10 Front Road

Time

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