43 & 45 Clifford Street, Quinte West, ON

$1,099,000
MLS#:X13504038
5 beds
4 baths
2500-3000 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Murray Ward. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $1,099,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 5 Bedrooms and 4 Bathrooms with 2 functional kitchens
  • Generous living space spanning 2500-3000 sqft on a premium 90 x 106.9 ft lot
  • Features a crawl space, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Carpet Free, Separate Heating Controls, Separate Hydro Meter
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

2 WATERFRONT COTTAGES FOR THE PRICE OF ONE! A truly rare opportunity to own two detached waterfront cottages on one property, perfectly positioned along the beautiful Lake Ontario just minutes from Barcovan Beach and Presqu'ile Provincial Park. Properties like this are incredibly hard to find. The main cottage at 43 Clifford offers 3 bedrooms, 2 full bathrooms, an abundance of natural light, and multiple outdoor spaces including a main-level deck, second-floor deck, and Juliet balcony, all showcasing stunning water views. The second cottage at 45 Clifford features a main level bedroom, spacious loft-style upper bedroom, full bathroom plus powder room, enclosed porch, upper deck, and its own beautiful views of the bay. Step outside to enjoy an incredible waterfront setting with panoramic views, a private boardwalk over the water, a fire pit, and a separate waterside seating area. Imagine spending summer evenings with family gathered around the fire after a day of boating, swimming, or fishing, all while watching the sunset over the water. Located just 1.5 hours from the GTA, this property offers exceptional flexibility as a family retreat, multi-generational getaway, or investment. Rent one cottage while enjoying the other, or maximize income by operating both as profitable short-term rentals. Opportunities like this are exceptionally rare-don't miss your chance to own two waterfront cottages on one incredible property.

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Key Features

Bedrooms
5
Bathrooms
4
Kitchens
2
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/30/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding
BasementCrawl Space, Unfinished
Lot Size90 × 106.9 Feet
CountyHastings
Annual Tax$5,978
Legal DescriptionPT LT 21 CON C MURRAY AS IN CL20091 & CL43792; QUINTE WEST

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Carpet Free, Separate Heating Controls, Separate Hydro Meter, Propane Tank

Security Features

Community Features

Location

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43 & 45 Clifford Street, Quinte West, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 43 & 45 Clifford Street, Quinte West, ON K0K 1L0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Quinte West.

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Interest Rate5.25%
Down Payment$219,800 (20.0%)
* Minimum Canadian down payment required for this price is $219,800.
Amortization Period25 Years
Estimated Monthly Payment$5,239Based on a loan of $879,200 over 25 years.
Purchase Price$1,099,000
Loan Amount$879,200
Provincial Land Transfer Tax:$18,455
Total Estimated Closing Taxes:$18,455

About Purchasing a Home in Quinte West, ON

For a property listed at $1,099,000 in Quinte West, the legal minimum down payment is $219,800 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $18,455 for this transaction. As this listing is in Quinte West (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $18,455.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Murray Ward, Quinte West.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$755,916

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.