122 Cottage Lane, Tweed

$429,000
122 Cottage Lane

$429,000

Sold Conditional Escape
22d
DetachedBungalow

122 Cottage Lane, Tweed

Total Monthly Obligation $2,267

Beds
1
Baths
1
Park
4
Sqft
700-1100
DOM
22d
Score
21
Yield
5.0%
Cash on Cash
-2.3%
Cap Rate
4.1%
5Y IRR
13.7%
10Y IRR
13.1%
Property Type-Detached
MLS® Number-X13847970
Beds-1
Bathrooms-1
Size-700-1100 sqft
Lot Size-157.46 × 79.36 ft
Listed on site-Oct 1, 2026
Style-Bungalow
Building Type-Detached
Taxes-$1,932.67 (2026)
Parking-4 - None
Basement-None
Heating-Heat Pump (Electric)
Brokerage-Re/Max Quinte Ltd.
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Wood
Pool-None
Facing-West
Exterior-Wood
Roof-Shingles
Foundation-Piers
Sewer-Septic
Possession-Flexible
Neighbourhood-Elzevir (Twp)
Title-Residential Freehold

No agent assigned

Tucked away along the scenic Black River, this meticulously maintained year-round home/cottage offers the peaceful retreat you've been searching for. Set on a private road, the property combines privacy, nature, and convenience with access to Highway 7 nearby-close enough for easy commuting, yet far enough away that the sounds of traffic disappear. Inside, the cozy 1-bedroom home is warm and welcoming, while the separate bunkie comfortably sleeps four, making it ideal for hosting family and friends. Outdoors, the lifestyle truly shines with a two-tier deck overlooking the river; enjoy a morning coffee, evening entertaining, or simply soaking in the tranquil surroundings. A floating dock provides direct access to the water, while nearby rapids create a soothing natural soundtrack that makes this property feel like a true sanctuary where stress simply melts away. The grounds offers a shed for storage, a greenhouse, plenty of space for flower or vegetable gardens and features a double-wide driveway for added convenience. Whether you're looking for a peaceful full-time residence or the perfect cottage escape, this Black River gem is ready to be enjoyed year-round.

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

Closing Costs

Mortgage Amount
$343,200
Land Transfer Taxes$5,055
Legal Fees (Est.)
$
Total cash required for closing$92,355

Total Monthly Obligation

$2,267/mo
Mortgage $1,730
Monthly Loss $1,811
Principal$455
Interest$1,275
Property Tax$161
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.0%18
Cash-on-Cash
-8.4%1
5-Year IRR
9.0%29
10-Year IRR
9.9%
Returns Index
15.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$21,600/yr
NOI
$13,007/yr
Net Cash Flow
-$647/mo
Cash Margin
-35.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.638
LTV Ratio
80.0%18
Vacancy Buffer
4.2 mo73
Risk Index
33.0/ 100

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

Comparables

Properties near 122 Cottage Lane

Time

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