11 CROSS Street, Loyalist, ON

$899,000
MLS#:X12885650
4 beds
3 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 56 - Odessa. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $899,000 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.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 3500-5000 sqft on a premium 88.9 x 109.83 ft lot
  • Features a unfinished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available
  • Notable attributes: Central Vacuum, On Demand Water Heater
  • equipped with central air central cooling and highly efficient radiant heating via gas

Description

This majestic home has a wow factor the minute you step through the door. Old world charm, completely modernized. Including extremely efficient in-floor radiant heat and serviced by a new (2024)boiler. With a stunning oak staircase and ceilings that soar towards 12 feet throughout. Plenty of natural light filters through the house with 7-foot windows (24 in total). Plant lovers will appreciate the 20-inch deep window sills. This home is a solid 3-brick-thick construction and features large rooms throughout, perfect for entertaining and large family gatherings. The house has been completely gutted to the bricks, totally insulated, and renovated to modern standards. A Georgian-style home, where you can enjoy the beauty and tranquillity of yesteryear while warming up by the gas fireplace. Imagine morning coffee or afternoon refreshments on your sun-drenched second-floor balcony oasis. This fine home has a lot of potential with large rooms (including a 14-foot x 25-foot art studio on the second level)that could be divided into extra bedrooms. You will be impressed with this home, which has been part of the Kingston Symphony Home Tour and many art tours. Updates include a metal roof, a new eavestrough (2023), an all-new outside concrete window sill (2024),brick and chimney repointing(2024), and a brand new boiler and water heater (2024). Schedule your private viewing today!

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Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
3500-5000 sqft
Property Type
Residential Freehold

Additional Details

StatusPrice Change
Listed Date3/16/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementUnfinished, Full
Lot Size88.9 × 109.83 Feet
CountyLennox & Addington
Annual Tax$7,289
Legal DescriptionPlan 91; LOT 243 244; RP; OTHER 1, 2 WARD 03;

Parking & Garage

Parking Spaces6.0
Garage Spaces6
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingCentral Air

Features

Property Features

Park, Place Of Worship, School, School Bus Route

Interior Features

Central Vacuum, On Demand Water Heater

Security Features

Smoke Detector, Security System

Community Features

Location

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11 CROSS 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 11 CROSS Street, Loyalist, ON K0H 2H0

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$64,900 (7.2%)
* Minimum Canadian down payment required for this price is $64,900.
Amortization Period25 Years
Estimated Monthly Payment$4,971Based on a loan of $834,100 over 25 years.
Purchase Price$899,000
Loan Amount$834,100
Provincial Land Transfer Tax:$14,455
Total Estimated Closing Taxes:$14,455

About Purchasing a Home in Loyalist, ON

For a property listed at $899,000 in Loyalist, the legal minimum down payment is $64,900 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 $14,455 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 $14,455.

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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$682,513

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.