7A Hoy Street, Edwardsburgh/Cardinal

$429,900
7A Hoy Street

$429,900

Price Change
58d
Semi-Detached Bungalow

7A Hoy Street, Edwardsburgh/Cardinal

Total Monthly Obligation $2,306

HausQ Valuation Report
Beds
2
Baths
2
Park
4
Sqft
700-1100
DOM
58d
Score
23
Yield
5.9%
Cash on Cash
1.2%
Cap Rate
4.8%
5Y IRR
16.5%
10Y IRR
15.4%
Property Type-Semi-Detached
MLS® Number-X13716544
Beds-2
Bathrooms-2
Size-700-1100 sqft
Lot Size-32 × 100 ft
Listed on site-Aug 26, 2026
Style-Bungalow
Building Type-Semi-Detached
Taxes-$2,362.08 (2025)
Parking-5 - Attached
Basement-None
Heating-Heat Pump (Electric)
Brokerage-REMAX BOARDWALK REALTY
Cooling-Wall Unit(s)
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Slab
Sewer-Sewer
Possession-Flexible
Neighbourhood-806 - Town of Cardinal
Title-Residential Freehold

No agent assigned

Welcome to this thoughtfully designed 2-bedroom, 1.5-bathroom semi-detached bungalow built by respected local builder Lockwood Brothers in 2020. This slab-on-grade home offers comfortable, single-level living with cozy in-floor hydronic heating, a mini-split system for cooling and supplemental heat, granite countertops, and natural gas connections for the range, dryer, and BBQ. Outside, enjoy a privacy-fenced backyard featuring mature perennial gardens, front and rear concrete patios, plus a 12'x12' deck with pergola. A paved double driveway, cable internet, and remaining Tarion warranty add everyday convenience and peace of mind. Ideally located near Highway 401 and within walking distance of the St. Lawrence River and Galop Canal, this inviting home is an excellent choice for first-time buyers, downsizers, or retirees. Natural-gas boiler is rented at $70/month. 24 hour irrevocable with all offers.

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$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$343,920
Land Transfer Taxes$5,073
Legal Fees (Est.)
$
Total cash required for closing$92,553

Total Monthly Obligation

$2,306/mo
Mortgage $1,734
Monthly Loss $1,850
Principal$456
Interest$1,278
Property Tax$197
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.7%24
Cash-on-Cash
-5.2%2
5-Year IRR
11.6%47
10-Year IRR
11.9%
Returns Index
24.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$25,440/yr
NOI
$16,034/yr
Net Cash Flow
-$398/mo
Cash Margin
-18.8%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7713
LTV Ratio
80.0%18
Vacancy Buffer
4.1 mo71
Risk Index
34.2/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 7A Hoy Street

Time

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Data last updated within the past 24 hours.