178 Nicholson Point Road, Loyalist, ON

$2,285,000
MLS#:X13501432
5 beds
4 baths
3500-5000 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 64 - Lennox and Addington - South. Expertly crafted featuring premium stone construction, this residence presents an exceptional opportunity offered at $2,285,000 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.

  • 5 Bedrooms and 4 Bathrooms
  • Generous living space spanning 3500-5000 sqft on a premium 74.39 x 227 ft lot
  • Features a separate entrance, full, partially finished, walk-out basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Air Exchanger, Central Vacuum, ERV/HRV
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 178 Nicholson Point Road, an exceptional Lake Ontario estate offering commanding west exposure views, 90 feet of deep, rocky shoreline, and nearly 5,000 sq. ft. of custom built luxury. Crafted by the Garofalo Brothers in 2002, this home blends timeless construction, thoughtful design, and an extraordinary waterfront setting on a quiet, prestigious street. The main floor features a spacious primary suite with a two sided fireplace, marble floors, marble countertops, and in floor heating in the spa inspired ensuite. The granite kitchen opens to a warm and inviting family room with a gas fireplace, while skylights on the upper level fill the home with natural light. The upper loft also includes in floor heating, adding year round comfort to this versatile space. The walkout basement expands the living area and includes a water treatment room and ample potential for additional storage. Exterior highlights include limestone and stucco construction, an attached 2 car garage, and a natural gas backup generator for peace of mind. Recent updates include Furnace (2022), Two water heaters (2024), and A/C (2020). Across the road, enjoy 140 acres of protected Conservation Land that will never be developed. This rare feature offers walking trails, abundant natural beauty, and contributes to the exceptionally quiet, private character of the road. Outdoors, take advantage of the best of waterfront living with a 40 ft dock, perfect for swimming, boating, and enjoying Kingston's iconic sunsets over Lake Ontario. A beautifully built, meticulously maintained waterfront home in one of the region's most desirable enclaves.

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Key Features

Bedrooms
5
Bathrooms
4
Kitchens
1
Living Area
3500-5000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/29/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionStone
BasementSeparate Entrance, Full, Partially Finished, Walk-Out
Lot Size74.39 × 227 Feet
CountyLennox & Addington
Annual Tax$14,577
Legal DescriptionPT LT 30 CON BROKEN FRONT ERNESTOWN AS IN LA231949; LOYALIST

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Cul de Sac/Dead End, Greenbelt/Conservation, Lake/Pond, Park, School Bus Route, Waterfront

Interior Features

Air Exchanger, Central Vacuum, ERV/HRV, Floor Drain, Generator - Full, Primary Bedroom - Main Floor, Storage, Sump Pump, Water Heater Owned, Water Softener, Water Treatment

Security Features

Alarm System, Carbon Monoxide Detectors, Monitored, Security System, Smoke Detector

Community Features

Location

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178 Nicholson Point Road, 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 178 Nicholson Point Road, 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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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$457,000 (20.0%)
* Minimum Canadian down payment required for this price is $457,000.
Amortization Period25 Years
Estimated Monthly Payment$10,893Based on a loan of $1,828,000 over 25 years.
Purchase Price$2,285,000
Loan Amount$1,828,000
Provincial Land Transfer Tax:$43,600
Total Estimated Closing Taxes:$43,600

About Purchasing a Home in Loyalist, ON

For a property listed at $2,285,000 in Loyalist, the legal minimum down payment is $457,000 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 $43,600 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 $43,600.

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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$682,061

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.