11 Fifth Street, Kawartha Lakes, ON

$980,000
MLS#:X13013724
4 beds
3 baths
700-1100 sqft
8.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Verulam. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $980,000 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.

  • 4 Bedrooms and 3 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 75.24 x 117.41 ft lot
  • Features a finished with walk-out basement, adding superb versatility for recreation, a home gym, or extra storage
  • 8.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Sauna
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

This newly renovated 4-season home offers the perfect blend of modern living and lakeside tranquility, situated in a family-friendly neighbourhood with school bus routes. Boasting breathtaking views of Sturgeon Lake and located along the renowned Trent Severn Waterway, the property offers access to a network of interconnected lakes and multiple locks, making it ideal for boating enthusiasts. Thoughtfully updated with designer finishes throughout, the spacious open-concept living area is filled with natural light and provides an ideal setting for both relaxation and entertaining. The gourmet kitchen features sleek countertops, brand-new appliances, and ample storage space, making it a chefs dream. The lower-level spa area includes a steam sauna and a soaker tub that can also be used as a cold plunge- the perfect way to unwind after a day on the lake or nearby trails. Outside, enjoy your 44-foot dock for boating, fishing, or simply taking in the serene waterfront views. The detached 20x36 garage is equipped with electricity and comfortably fits four vehicles, offering plenty of space for storage or recreational equipment. Steps away from a public beach, marina, park, and government boat launch, this property is surrounded by year-round activities. In the winter, enjoy snowmobiling and ice fishing, while the warmer months offer hiking, swimming, and water sports. Conveniently located less than 20 minutes from Bobcaygeon, Peterborough, and Fenelon Falls, you'll have easy access to shops, restaurants, and local attractions while still enjoying the peace and privacy of lakeside living. The sellers are offering the option to include all furnishings, as seen in the photos, creating a turn-key opportunity for short-term rental income or a ready-to-enjoy personal retreat. Don't miss your chance to own a beautifully updated waterfront escape.

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Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date4/17/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFinished with Walk-Out
Lot Size75.24 × 117.41 Feet
CountyKawartha Lakes
Annual Tax$3,586.12
Legal DescriptionLT 86 PL 128 CITY OF KAWARTHA LAKES

Parking & Garage

Parking Spaces8.0
Garage Spaces4
Garage TypeDetached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Beach, Lake Access, Marina, Park, Waterfront, School

Interior Features

Sauna

Security Features

Community Features

Location

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11 Fifth Street, Kawartha Lakes, 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 11 Fifth Street, Kawartha Lakes, ON K0M 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 Kawartha Lakes.

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Interest Rate5.25%
Down Payment$73,000 (7.4%)
* Minimum Canadian down payment required for this price is $73,000.
Amortization Period25 Years
Estimated Monthly Payment$5,405Based on a loan of $907,000 over 25 years.
Purchase Price$980,000
Loan Amount$907,000
Provincial Land Transfer Tax:$16,075
Total Estimated Closing Taxes:$16,075

About Purchasing a Home in Kawartha Lakes, ON

For a property listed at $980,000 in Kawartha Lakes, the legal minimum down payment is $73,000 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 $16,075 for this transaction. As this listing is in Kawartha Lakes (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $16,075.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Verulam, Kawartha Lakes.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$781,877

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.