46 Harbour Street, Brighton

$559,000
46 Harbour Street

$559,000

New
2d
DetachedBungalow-Raised

46 Harbour Street, Brighton

Total Monthly Obligation $2,902

Beds
5
Baths
2
Park
4
Sqft
1100-1500
DOM
2d
Score
24
Yield
6.2%
Cash on Cash
2.6%
Cap Rate
5.1%
5Y IRR
17.6%
10Y IRR
16.3%
Property Type-Detached
MLS® Number-X14104456
Beds-5
Bathrooms-2
Size-1100-1500 sqft
Lot Size-62 × 100 ft
Listed on site-Oct 21, 2026
Style-Bungalow-Raised
Building Type-Detached
Age-16-30
Taxes-$3,265 (2025)
Parking-6 - Attached
Basement-Full, Finished
Heating-Baseboard (Electric)
Brokerage-Royal Heritage Realty Ltd.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Preference to 2026 Closing
Neighbourhood-Brighton
Title-Residential Freehold

No agent assigned

A large Family-Sized home in a Premium Location! Welcome to 46 Harbour Street, a home perfectly set up for your growing family in a safe community in Brighton. With Lake Ontario across the street, and public lake access at the foot of Cedar, to a fully fenced and private backyard with a direct gate to Walas Park with its interior playground, you are treated to endless outdoor opportunities and adventures. Built in 1986 with some updates through the years, there is still ample opportunity to personalize and update to your design aesthetic. Mature gardens and a cozy covered front porch welcomes you, and a brand new front door invites you in to the open foyer with its direct access to the double garage, and walk through to the rear deck. The upper level features 3 full sized bedrooms, a 4 piece bathroom and an open concept living room and full sized dining room. The kitchen is bright, sunny, and spacious and has plenty of workspace for lots of little helpers. The lower level is where the options truly present themselves if you are looking to create a large in-law suite or secondary unit, making it ideal for large family/multi-family living or rental potential. There are two additional bedrooms, a large family room, plus a large central area. The 3-piece bathroom backs on to a large laundry room-the ideal spot for a 2nd kitchen. This home has been loved by a large family for 15 years and is going to be just perfect for a family at an affordable price point. Brighton's urban area is situated 5 minutes south of the 401, halfway between Cobourg and Belleville making it ideal for commuting. Enjoy convenient access to grocery stores, pharmacies, our outstanding Public Library, recreation centre, weekly Farmer's Market in Codrington, parks, trails, and conservation areas. Minutes to the Gates of Presqu'ile Provincial Park to the west, and Prince Edward County to the East. Come home to Brighton and lay down roots at 46 Harbour!

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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$447,200
Land Transfer Taxes$7,655
Legal Fees (Est.)
$
Total cash required for closing$120,955

Total Monthly Obligation

$2,902/mo
Mortgage $2,255
Monthly Loss $2,309
Principal$593
Interest$1,661
Property Tax$272
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.2%29
Cash-on-Cash
-3.1%4
5-Year IRR
13.2%59
10-Year IRR
13.1%
Returns Index
30.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
24/ 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
$34,500/yr
NOI
$23,285/yr
Net Cash Flow
-$314/mo
Cash Margin
-10.9%1
Cash Flow Index
0.6/ 100
Risk Profile
Weight: 20%
DSCR
0.8617
LTV Ratio
80.0%18
Vacancy Buffer
3.3 mo56
Risk Index
30.4/ 100

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

Comparables

Properties near 46 Harbour Street

Time

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