183 Second Street, Loyalist, ON

$409,900
MLS#:X13530996
3 beds
1 baths
1100-1500 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of 57 - Bath. Expertly crafted featuring premium wood construction, this residence presents an exceptional opportunity offered at $409,900 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.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 1100-1500 sqft on a premium 94.09 x 101.9 ft lot
  • Features a crawl space, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Steeped in history and overflowing with charm, this circa-1850s home offers a rare opportunity to own a piece of Bath's rich heritage(not a true heritage home) Quaint, character-filled, and perfectly positioned in the heart of this picturesque lakeside village, the home is just a short walk to local shops, restaurants, the grocery store, the waterfront, and Mike's Pizza. Set on an impressive country-sized lot framed by mature trees, the property provides a wonderful sense of space and privacy while keeping all village amenities close at hand. Enjoy your morning coffee or evening glass of wine from the welcoming front porch as gentle Lake Ontario breezes drift through the neighbourhood.Inside, you'll discover a warm and inviting home featuring three bedrooms, one bathroom, and a cozy gas fireplace that serves as the heart of the living space. As expected with a home of this vintage, there are uneven floors and cosmetic updates to consider, but these timeless imperfections are part of the character and story that only a century home can offer. For buyers with vision and appreciation for historic homes, this property presents an exciting opportunity to enhance and personalize while preserving its unique charm.Many of the major updates have already been completed, including a new furnace installed at the end of 2024, with the windows, roof, and electrical having been updated within the past 8-10 years, providing added peace of mind for years to come.Whether you're a first-time buyer seeking a home with personality, an investor looking for your next project, or someone dreaming of a charming Airbnb or boutique bed and breakfast, this property is brimming with potential. Century homes in locations like this are becoming increasingly rare-bring your imagination and breathe new life into this historic Village of Bath gem.

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Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/7/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionWood
BasementCrawl Space, Unfinished
Lot Size94.09 × 101.9 Feet
CountyLennox & Addington
Annual Tax$2,962
Legal DescriptionLT 16 N/S QUEEN ST AND E/S FIRST ST PL 77; LOYALIST

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Golf, Lake/Pond, School, School Bus Route, Park

Interior Features

Water Heater

Security Features

Community Features

Location

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183 Second 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 183 Second Street, 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.

Market Trend
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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$20,495 (5.0%)
* Minimum Canadian down payment required for this price is $20,495.
Amortization Period25 Years
Estimated Monthly Payment$2,321Based on a loan of $389,405 over 25 years.
Purchase Price$409,900
Loan Amount$389,405
Provincial Land Transfer Tax:$4,673
Total Estimated Closing Taxes:$4,673

About Purchasing a Home in Loyalist, ON

For a property listed at $409,900 in Loyalist, the legal minimum down payment is $20,495 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 $4,673 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 $4,673.

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$684,177

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.