173 Davy Street, Loyalist, ON

$499,500
MLS#:X13545430
2 beds
2 baths
1100-1500 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 57 - Bath. Expertly crafted featuring premium board & batten construction, this residence presents an exceptional opportunity offered at $499,500 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 49 x 71 ft lot
  • Features a crawl space basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Separate Hydro Meter, Upgraded Insulation, Water Meter
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

The McTaggart House is deemed of cultural heritage because of it's inclusion in the "Red Book" BUT is not designated as Historical. It is also zoned for operating a business as well as residential. The house was built in the period 1859-1892. It survived the "Great Fire of 1942" which swept through the downtown core of Bath; destroying all but 2 of the downtown buildings. It was lifted and completely renovated in 2019 with all new infrastructure including new poured foundation, new gas furnace and HVAC, new electrical and plumbing including hot water on demand. Basement and huge crawlspace are foam insulated and the steel roofs were done in 2018.The original posts and beams have been saved and give it a warm feeling although it's a modern home with all modern fixtures and appliances. This is not your typical home as it boasts all handmade floors, baseboards and trim downstairs as well as most of the original wide plank floors on the 2nd floor. A large open plan main floor with 7 windows to bring lots of light in. There is lots of cleverly designed storage space and both the master closet and the mudroom closets are fitted with IKEA storage shelves so lots of space to organize. The location is just off Main St. with it's local vibe and businesses Not your typical subdivision house but rather a part of the community.

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Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/8/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBoard & Batten
BasementCrawl Space
Lot Size49 × 71 Feet
CountyLennox & Addington
Annual Tax$2,979
Legal DescriptionPT UNNUMBERED LT BTN LT 3 AND 4 N/S MAIN ST PL 77; PT LT 4 N/S MAIN ST AND E/S LODGE ST PL 77; PT LT 9 S/S QUEEN ST AND E/S LODGE ST PL 77 PT 1 29R2597; LOYALIST

Parking & Garage

Parking Spaces3.0
Garage Spaces3
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Separate Hydro Meter, Upgraded Insulation, Water Meter

Security Features

Community Features

Location

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173 Davy Street, Loyalist, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 173 Davy Street N, Loyalist, ON K0H 1G0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Loyalist.

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Interest Rate5.25%
Down Payment$24,975 (5.0%)
* Minimum Canadian down payment required for this price is $24,975.
Amortization Period25 Years
Estimated Monthly Payment$2,828Based on a loan of $474,525 over 25 years.
Purchase Price$499,500
Loan Amount$474,525
Provincial Land Transfer Tax:$6,465
Total Estimated Closing Taxes:$6,465

About Purchasing a Home in Loyalist, ON

For a property listed at $499,500 in Loyalist, the legal minimum down payment is $24,975 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $6,465 for this transaction. As this listing is in Loyalist (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $6,465.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Loyalist.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$680,512

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.