12130 Loyalist Parkway, Prince Edward County

$850,000
12130 Loyalist Parkway

$850,000

Price Change
18d
DetachedBungalow

12130 Loyalist Parkway, Prince Edward County

Total Monthly Obligation $4,183

Beds
3
Baths
2
Park
5
Sqft
1500-2000
DOM
18d
Score
16
Yield
3.5%
Cash on Cash
-8.7%
Cap Rate
2.7%
5Y IRR
8.7%
10Y IRR
9.3%
Property Type-Detached
MLS® Number-X13861570
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-53.62 × 1157.25 ft
Listed on site-Oct 5, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,554.11 (2025)
Parking-7 - Attached
Basement-Full, Finished
Heating-Forced Air (Propane)
Brokerage-Harvey Kalles Real Estate Ltd.
Cooling-Central Air
Laundry-No
Fireplace-Living Room, Wood Stove
Pool-None
Facing-North
Exterior-Vinyl Siding, Wood
Roof-Asphalt Shingle
Foundation-Block
Sewer-Septic
Possession-flexible
Neighbourhood-Hallowell Ward
Title-Residential Freehold

No agent assigned

Welcome to a true Prince Edward County waterfront retreat that will check all your boxes - a charming bungalow set on a peaceful stretch of shoreline, just five minutes from downtown Picton. With sweeping water views and a long private dock at your doorstep, this is the kind of property that rarely comes available, now offered at a newly reduced price that makes it an even smarter buy. Inside, 3 bedrooms and 2 bathrooms include a spacious primary suite with a luxurious 5-piece ensuite. The newer rear addition is the heart of the home - a bright, open living room with oversized windows framing the water, plus a walkout to the deck, perfect for morning coffee or sunset gatherings. Throughout, the home blends warm country charm with thoughtful recent updates, making it genuinely move-in ready. The fully finished basement adds a family room, laundry, and ample storage, while the attached 2-car garage and three storage sheds offer room for vehicles, tools, and hobbies alike. Down at the water, the real showstopper awaits: a boathouse with marine rails for effortless boat access, topped by a self-contained guest suite with its own bathroom, kitchenette, sleeping area, and a private balcony over the bay - ideal for visitors or as a potential income suite. With wineries, restaurants, beaches, and boutique shops all just minutes away, this property delivers the full County lifestyle. Motivated sellers are ready to make a deal - book your private showing today before this one-of-a-kind waterfront opportunity is gone.

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

Closing Costs

Mortgage Amount
$680,000
Land Transfer Taxes$13,475
Legal Fees (Est.)
$
Total cash required for closing$184,975

Total Monthly Obligation

$4,183/mo
Mortgage $3,429
Monthly Loss $3,281
Principal$902
Interest$2,526
Property Tax$380
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.1%13
Cash-on-Cash
-12.7%0
5-Year IRR
5.6%13
10-Year IRR
7.2%
Returns Index
7.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
16/ 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
$30,000/yr
NOI
$17,946/yr
Net Cash Flow
-$1,933/mo
Cash Margin
-77.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.444
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo37
Risk Index
19.6/ 100

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

Comparables

Properties near 12130 Loyalist Parkway

Time

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