38 Oak Street, Kawartha Lakes, ON

$329,900
MLS#:X13076758
0 beds
0 baths
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable vacant land located in the coveted neighborhood of Fenelon Falls. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $329,900 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.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 65.54 x 151.53 ft lot size
  • 4.0 total parking spaces available with a convenient detached configuration

Description

A rare opportunity to secure a premium 66 x 151 ft ready-to-build lot in one of the Kawarthas' most desirable waterfront communities. The sellers are highly motivated and may consider a Vendor Take Back (VTB) mortgage for qualified buyers, creating exceptional flexibility for builders, investors, contractors, and future homeowners alike. Municipal water, sewer, hydro, and natural gas services are available at the lot line for future reconnection, offering excellent value and redevelopment potential in a high-demand location. Previously home to a residence lost to fire in 2017, the property is now cleared and primed for redevelopment - the perfect canvas for a custom home, cottage retreat, or investment project. Situated on a quiet dead-end street, the property offers partial views of Cameron Lake, breathtaking sunset exposure, and the charm of watching boats pass through Lock 34 along the iconic Trent-Severn Waterway. Enjoy an unbeatable lifestyle location just a 1-minute walk to the public beach on Cameron Lake and nearby public boat launch, making it ideal for boating enthusiasts without the expense of direct waterfront ownership. Downtown Fenelon Falls - known as the "Jewel of the Kawarthas" - is only a 2-minute walk away, offering boutique shopping, restaurants, patios, cafés, bars, and year-round amenities A solid 24' x 30' detached garage with concrete flooring remains on the property, providing immediate value for storage, workshop space, or future integration into redevelopment plans. Buyers will also appreciate access to reputable local builders who can assist with permits, design, construction, and finishing, helping bring your vision to life with ease. Combining location, redevelopment potential, available services, flexible financing possibilities, and strong future resale appeal.

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Key Features

000
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date5/3/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeVacant Land
Lot Size65.54 × 151.53 Feet
CountyKawartha Lakes
Annual Tax$926.86
Legal DescriptionLT9 N/S OAK ST PL 100 CITY OF KAWARTHA LAKES

Parking & Garage

Parking Spaces4.0
Garage Spaces2
Garage TypeDetached

Heating & Cooling

Features

Property Features

Interior Features

Security Features

Community Features

Location

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38 Oak 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 38 Oak Street, Kawartha Lakes, ON K0M 1N0

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.

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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$16,495 (5.0%)
* Minimum Canadian down payment required for this price is $16,495.
Amortization Period25 Years
Estimated Monthly Payment$1,868Based on a loan of $313,405 over 25 years.
Purchase Price$329,900
Loan Amount$313,405
Provincial Land Transfer Tax:$3,424
Total Estimated Closing Taxes:$3,424

About Purchasing a Home in Kawartha Lakes, ON

For a property listed at $329,900 in Kawartha Lakes, the legal minimum down payment is $16,495 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 $3,424 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 $3,424.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$749,533

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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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.