$525,000
↓ $14,000 from $539,000
Est. payment $2,325/moCalculate yours
Lot 13 Front Road, Loyalist, ON K0H 2S0
Amherst Island, Loyalist, ON K0H 2S0
Listing courtesy of RE/MAX FINEST REALTY INC., BROKERAGE MLS® X13589266
About this home
Imagine waking up, coffee in hand, looking out over your 800+ feet of waterfront, the north channel, and the mainland beyond. This 99.6 acre parcel on Amherst Island offers a rare opportunity to build up a hill, closer to your shoreline, or in the woods. The land rises roughly 20 metres in elevation from the deeded waterfront across Front Rd on the north end to Conc 2 to the south. Design a home around whatever view you choose. Beyond the building site, the land itself is working for you with high producing fertilized hay fields which keep the property taxes low. Plus mature hardwood woodland and a small pond & marsh (home to Blanding’s turtles) offer privacy, nature, & room to roam. With municipally maintained year-round roads (Front, Emerald 40 Ft, and Conc. 2) on 3 sides, you have flexible access options as you plan your build. Electrical service is installed w/200-amp panel availability, and a driveway & parking pad are in place to get you started. A 2025 survey and preliminary severance discussions with Loyalist Township add further flexibility down the road. Owning here also means island life: a 15-minute, year-round ferry crossing to Millhaven (runs hourly, 20 hrs/day) puts you 20 minutes from Kingston or Napanee. This close knit community has much to offer and is known for exceptional birding, great cycling, and its large collection of Irish dry stone walls. The sellers are open to a Vendor Take-Back (VTB) Mortgage for a qualified buyer. The 2025 28′ Jayco Jay Flight trailer in situ is negotiable for purchase. It sleeps up to 10 people, is equipped with a full bathroom, kitchen, dining & sitting area, outdoor kitchen, awning, 2-door access, and a queen-size bed.
Property details
Overview
- Property Type
- Vacant Land
- For
- For Sale
- Status
- Price Change
Building & Systems
- Foundation
- Not Applicable
- Roof
- Not Applicable
- Water
- None
- Sewer
- None
Lot & Parking
- Lot Size
- 760.68 x 5003.94 Feet
- Parking
- None garage · 8 total
- Zoning
- PA, SR, RU, EP
Financial
- Property Taxes
- $788 (2026)
Location
- Neighbourhood
- Amherst Island
- Cross Street
- Front Rd at Emerald 40 Ft Rd up to Concession Rd 2
- Direction Faces
- North
Listing
- MLS® Number
- X13589266
- Days on Market
- 90
- Listed On
- 2026-07-20
- Possession
- Flexible
- Listed By
- RE/MAX FINEST REALTY INC., BROKERAGE
Features
Property
- Beach
- Clear View
- Island
- Lake Access
- Waterfront
- Wooded/Treed
Pool
- None
- Included
- none
- Excluded
- n/a
- Rental items
- n/a
Mortgage calculator
Estimated mortgage payment
$2,325 per month
- Principal and interest
- $2,325
- Property tax
- $66
- Condo fees
- $0
- Estimated monthly cost
- $2,390
Your mortgage
- Mortgage amount
- $420,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $277,376
Cash to close
- Down payment
- $105,000
- Land transfer tax
- $6,975
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $111,975
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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