I don't really have many more details...

I was probably closer to about 12-14 years ago on Cable, making the movie a mid to late 80's flick.

The two scenes that really stand out in my mind are the "ghost toasties" line and another:

Near the end of the movie, after the girl has gone missing, the detective finds her in the attic of the house, in a chair with her back to him. He carefully approaces her, unable to see her face. He reaches out to turn her around. When she turns around, it shows the ghost guy's face, who lets out a "rhah!".

The detective had dark hair.

That's about all I remember...