1426 Niagara Stone Road, Niagara-on-the-Lake

$1,493,000
1426 Niagara Stone Road

$1,493,000

New
29d
Detached2-Storey

1426 Niagara Stone Road, Niagara-on-the-Lake

Total Monthly Obligation $6,929

Beds
4
Baths
5
Park
6
Sqft
2500-3000
DOM
29d
Score
14
Yield
2.4%
Cash on Cash
-13.1%
Cap Rate
1.8%
5Y IRR
5.4%
10Y IRR
6.7%
Property Type-Detached
MLS® Number-X13825540
Beds-4
Bathrooms-5
Size-2500-3000 sqft
Lot Size-60.01 × 189.65 ft
Listed on site-Sep 24, 2026
Style-2-Storey
Building Type-Detached
Age-6-15
Taxes-$6,377.77 (2025)
Parking-7 - Attached
Basement-Walk-Up, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-COSMOPOLITAN REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-North
Exterior-Metal/Steel Siding, Board & Batten
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-108 - Virgil
Title-Residential Freehold

No agent assigned

Virgil Character Meets Modern-Day Flexibility. Welcome to 1426 Niagara Stone Road, a truly distinctive home in the heart of Virgil, thoughtfully rebuilt in 2015 with timeless character throughout. Wide-plank floors, terracotta tile, stained-glass accents and a unique multi-level design create a warm and inviting atmosphere with incredible flexibility for families, guests or multi-generational living.Multiple walk-outs, three upper-level balconies, a covered porch and oversized deck offer plenty of ways to enjoy the outdoors. The lower-level self-contained in-law suite features a separate entrance, ideal for extended family, guests or additional income.Outside, enjoy generous green space, a storage barn, hot tub, tandem two-car garage and curved driveway. Currently operating as a successful Airbnb, this property offers the opportunity to live, invest, or do both.Surrounded by Niagara-on-the-Lake's renowned wine country, wineries, Old Town shops, dining and everyday amenities, with easy access to Niagara Falls, St. Catharines and the QEW.

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

Closing Costs

Mortgage Amount
$1,194,400
Land Transfer Taxes$26,335
Legal Fees (Est.)
$
Total cash required for closing$326,435

Total Monthly Obligation

$6,929/mo
Mortgage $6,022
Monthly Loss $5,344
Principal$1,585
Interest$4,438
Property Tax$531
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
1.4%9
Cash-on-Cash
-16.0%0
5-Year IRR
3.1%6
10-Year IRR
5.3%
Returns Index
4.5/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
14/ 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
$35,400/yr
NOI
$20,982/yr
Net Cash Flow
-$4,274/mo
Cash Margin
-144.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.292
LTV Ratio
80.0%18
Vacancy Buffer
1.4 mo22
Risk Index
14.1/ 100

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

Comparables

Properties near 1426 Niagara Stone Road

Time

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