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Investment signal

$1,650,000

6818 Water Street, Rte 311

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Beds

4

Baths

5 full + 1 half

Sqft

Year

2019

Type

Single Family

Suite

Suite potential

Location nearby

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

About this home

Located in the historic village of Cardigan, this waterfront estate is a showcase of craftsmanship and design. Steps from exceptional dining, a full-service marina, and minutes from Canada?s top-rated golf courses, it offers some of the best boating in PEI. The main residence spans three levels of open-concept living. The main floor features a living and dining area with soaring ceilings, a gas fireplace, and floor-to-ceiling triple-pane Peter Kohler windows. The kitchen, custom-built by Joe Dunphy, has quartz countertops and professional-grade stainless steel appliances. The second level opens into a loft-style water-view living space with breathtaking panoramas. The primary suite features Joe Dunphy?s custom woodwork, a king-sized bed, and built-in cabinetry. Above, a flex space with panoramic views is ideal for a home office, retreat, or studio. Two fully furnished, self-contained suites extend from the main home, each with a private bedroom, full bathroom, and kitchenette, perfect for guests, family, or rental income. A guest house above the heated, detached garage includes a full kitchen, living area, bedroom, and bathroom, ideal for long-term guests, rental income, or a private retreat. Outdoor living is exceptional. A wraparound front deck, enclosed rear sunroom, and a chef?s outdoor cook station create multiple spaces to entertain and relax. The outdoor kitchen includes a stainless BBQ, griddle, fridge, and water hookup. Patio furniture, Adirondack chairs, and a fire pit complete the setting. Built for comfort and durability, the home is generator-wired, set on a five-foot concrete foundation with spray foam insulation, and clad in Fusion stone and vinyl siding. The 148 feet of shoreline is protected by armour rock, ensuring long-term stability. For those who love the outdoors, two kayaks, a canoe, and bikes await adventure. With golf, boating, and trails nearby, this is PEI waterfront living at its finest. Turnkey, all furni (id:65958)

Subtype
Single Family
Architectural style
2 Level
Structure
House
Community
Cardigan
Common interest
Freehold
Lot size
0.9 acres
Lot dimensions
0.9
Bedrooms
4 above grade, 0 below grade
Fireplace
Yes
On market
Mar 12, 2026
Status changed
Apr 25, 2026
Annual tax
$9,951 (2025)
Photos
50
MLS#
202602476
Area
CARDIGAN

Features and systems

Parking

Attached GarageDetached GarageParking Space(s)Heated Garage

Basement

Crawl space

Appliances

WasherRefrigeratorCentral VacuumBarbequeDishwasherOvenDryerMicrowaveCooktop

Heating

ElectricPropaneCentral Heat Pump

Cooling

Air exchanger

Exterior

StoneVinyl

Flooring

TileLaminateCarpetedVinyl

Foundation

Poured Concrete

Lot

Paved drivewaySingle Driveway

Community

School BusRecreational Facilities

View

River view

Waterfront

Waterfront
Negative cash flow ~$1,749/mo at these assumptions

Cash on cash

-6.36%

Cap rate

3.59%

GRM

16.7

Break-even rent

$10,092

Financing

Down payment$330,000
Loan amount$1,320,000
Mortgage$6,688/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$756
Insurance$80
Maintenance$1,375
CapEx reserve$688
Vacancy loss$413

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 $6,688/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 25, 2026.

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