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Investment signal

$849,000

212 MAIN STREET

Save this home

Beds

3

Baths

2

Sqft

Year

Type

Single Family

Suite

Suite potential

Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Deseronto (Deseronto (Town)). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Live the waterfront life you've always imagined at 212 Main Street. Wake up to sunrise views over the Bay of Quinte and end the day by the fire with the sounds of nature. With a private dock and easy cruising to Picton or Napanee, it isn't just a home; it's a lifestyle.This beautiful 2+1 bed, 2 bath bungalow offers a completely remodelled kitchen with quartz counters, stainless steel appliances, and an inviting layout. Pristine hardwood floors and tasteful tile lead to two generous bedrooms and a 4-piece bath with an extra-deep tub. The lower-level in-law suite is ideal for multi-generational living or rental income, featuring large windows that frame stunning lake views, plus flexible space for storage, a home gym, or playroom. Cozy up by the natural gas fireplace, or relax in the enclosed sunroom year-round. Outside, enjoy a raised deck, spacious interlocking brick patio, and a waterfront bunkie with hydro-perfect as a studio, office, or guest retreat. An attached 2-car garage completes this rare waterfront package. A straight-forward 2 hour drive to the GTA or 2.5 into Ottawa! (id:65958)

Subtype
Single Family
Architectural style
Bungalow
Structure
House
Community
Deseronto (Town)
Common interest
Freehold
Lot dimensions
73.8 x 172 FT
Bedrooms
2 above grade, 1 below grade
Parking
6 total
Stories
1
Fireplace
1
On market
Apr 24, 2026
Status changed
Apr 27, 2026
Annual tax
$5,313
Zoning
R1, R1-F
Photos
33
MLS#
X13042662
Area
DESERONTO_(DESERONTO_(TOWN))

Features and systems

Parking

Attached GarageGarage

Basement

FinishedApartment in basementSeparate entranceWalk outN/AN/AN/A

Appliances

WasherRefrigeratorDishwasherStoveDryerGarage door opener remote(s)Water Heater

Heating

Baseboard heatersForced airNot knownNatural gas

Cooling

Central air conditioning

Exterior

BrickAluminum siding

Foundation

Block

Lot

LevelIn-Law Suite

View

View of waterDirect Water View

Waterfront

Waterfront on lake

Utilities

SewerElectricityCable
Negative cash flow ~$934/mo at these assumptions

Cash on cash

-6.60%

Cap rate

3.54%

GRM

16.6

Break-even rent

$5,233

Financing

Down payment$169,800
Loan amount$679,200
Mortgage$3,441/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$389
Insurance$80
Maintenance$708
CapEx reserve$354
Vacancy loss$213

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $3,441/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 27, 2026.

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