$575,000
↓ $20,000 from $595,000
Est. payment $2,546/moCalculate yours
10 Front Road, Loyalist, ON K0H 2S0
Amherst Island, Loyalist, ON K0H 2S0
- 2 Beds
- 1 Baths
- 1,500 Sq Ft
Listing courtesy of RE/MAX FINEST REALTY INC., BROKERAGE MLS® X12938322
About this home
Imagine trading your daily routine for life on Amherst Island, reached by a scenic 15-minute ferry crossing from Millhaven. At 10 Front Road, you’ll find a true four-season waterfront retreat set on 4.2 level acres with 305 feet of deeded waterfront along Lake Ontario’s North Channel. This fully winterized century home, built in 1918, offers the charm of a classic cottage with the comfort of year-round living, so it’s just as inviting for a weekend escape as it is for settling in through every season. The main floor has a spacious dining room, a cozy living room warmed by a propane stove, and a bright sunroom with water. The primary bedroom is conveniently located on the main floor, while a second bedroom and additional storage await upstairs. The deck and porch are perfect for watching the sun rise over the fields and set over the water. Spend your days kayaking, fishing, and birdwatching right from your own clean, level shoreline. The open acreage gives you room to garden, entertain, or simply enjoy the quiet of island life, with panoramic views over the bay, lake, and surrounding pastureland. Amherst Island is known for its close-knit community and natural beauty, with a general store, seasonal restaurant, museum, and artisan studios all just a short drive away. Whether you’re looking for a peaceful getaway or a place to call home full-time, 10 Front Road offers a rare chance to own a genuine slice of waterfront cottage country, just a short ferry ride from the mainland.
Property details
Overview
- Property Type
- Detached
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- Extension
- Approximate Age
- 100+
- Size
- 1,500 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Unfinished, Partial Basement
Building & Systems
- Heating
- Baseboard (Electric)
- Cooling
- None
- Exterior
- Vinyl Siding
- Foundation
- Stone
- Roof
- Asphalt Shingle
- Water
- Well
- Sewer
- Septic
Lot & Parking
- Lot Size
- 305.09 x 514.65 Feet
- Parking
- None garage · 2 total
- Zoning
- SR-5
Financial
- Property Taxes
- $1,880 (2026)
Location
- Neighbourhood
- Amherst Island
- Cross Street
- FRONT ROAD & LOWER 40 FOOT
- Direction Faces
- East
Listing
- MLS® Number
- X12938322
- Days on Market
- 201
- Listed On
- 2026-03-31
- Listed By
- RE/MAX FINEST REALTY INC., BROKERAGE
Rooms
Features
Interior
- Primary Bedroom - Main Floor
- Propane Tank
- Sump Pump
- Water Heater Owned
Property
- Beach
- Cul de Sac/Dead End
- Island
- School
- School Bus Route
- Waterfront
Pool
- None
- Included
- Dryer, Microwave, Refrigerator, Stove, Washer, Window Coverings
- Excluded
- None
- Rental items
- Propane Tank
Mortgage calculator
Estimated mortgage payment
$2,546 per month
- Principal and interest
- $2,546
- Property tax
- $157
- Condo fees
- $0
- Estimated monthly cost
- $2,703
Your mortgage
- Mortgage amount
- $460,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $303,793
Cash to close
- Down payment
- $115,000
- Land transfer tax
- $7,975
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $122,975
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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