165 East West Line, Niagara-on-the-Lake

$999,000
165 East West Line

$999,000

New
16d
Detached2-Storey

165 East West Line, Niagara-on-the-Lake

Total Monthly Obligation $4,934

HausQ Valuation Report
Beds
4
Baths
4
Park
3
Sqft
2000-2500
DOM
16d
Score
18
Yield
4.8%
Cash on Cash
-3.2%
Cap Rate
3.9%
5Y IRR
13.0%
10Y IRR
12.6%
Property Type-Detached
MLS® Number-X13873826
Beds-4
Bathrooms-4
Size-2000-2500 sqft
Lot Size-200.42 × 180.38 ft
Listed on site-Oct 7, 2026
Style-2-Storey
Building Type-Detached
Taxes-$6,353.54 (2026)
Parking-5 - Detached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE TERREQUITY CAPITAL REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Stucco (Plaster)
Roof-Shingles
Foundation-Poured Concrete
Sewer-Septic
Possession-Flexible
Neighbourhood-102 - Lakeshore
Title-Residential Freehold

No agent assigned

Located near vineyards and orchards in Niagara-on-the-Lake, this country home was completely rebuilt 3 years ago from the studs up (all-new framing, plumbing, and electrical on the original foundation) with nearly 2,400 sq. ft. of finished space plus a finished basement. Holding an active short-term rental license, the two-storey layout makes it easy to live on one level while renting the other. Main floor: 2 bedrooms, 3-pc bath, 2-pc bath, bright full eat-in kitchen, living room, laundry. Upper level: primary bedroom with private 3-pc ensuite, office used as a 2nd bedroom, 5-pc bath, kitchen, 2nd living room, laundry. Finished basement rec room offers versatile extra space. Generous grounds offer space for a custom garden or in-ground pool. Includes a 36' x 25' detached shop leased for -$18,000/year-ideal for passive income, personal workshop, or ADU potential (subject to approvals). Minutes to historic Old Town, wineries, and Dining.

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

Closing Costs

Mortgage Amount
$799,200
Land Transfer Taxes$16,455
Legal Fees (Est.)
$
Total cash required for closing$217,755

Total Monthly Obligation

$4,934/mo
Mortgage $4,030
Monthly Loss $3,874
Principal$1,060
Interest$2,969
Property Tax$529
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%20
Cash-on-Cash
-7.4%1
5-Year IRR
9.8%34
10-Year IRR
10.4%
Returns Index
18.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$48,120/yr
NOI
$32,454/yr
Net Cash Flow
-$1,325/mo
Cash Margin
-33.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
1.9 mo30
Risk Index
19.1/ 100

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

Comparables

Properties near 165 East West Line

Time

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