197 St Joseph Road, Kawartha Lakes, ON K9V 0R8
Kawartha Lakes, ON K9V 0R8
Quick cost estimateKnown monthly subtotal$4,694.88 / monthLand transfer tax $14,855One-time estimate
Quick cost estimate
$4,694.88 / monthKnown monthly subtotal
- Mortgage principal & interest
- $4,275.96
- Property tax / month
- $418.92
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $14,855
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $14,855
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Welcome to the Talbot Lake Model, Elevation B, located in Lindsay's desirable Sugarwood community. This beautifully upgraded detached home blends modern comfort, practical design, and timeless curb appeal. The exterior showcases an elegant brick finish with stone veneer accents, tall main-floor windows, an 8-foot insulated front door, low-maintenance soffits and fascia, and a spacious double-car garage.Inside, the open-concept main floor is bright and inviting, featuring a generous family room, dining area, and a stylish kitchen with upgraded stone countertops, undermount sinks, ample cabinetry, and a gas range. Quality finishes continue throughout, including 3 1/2-inch engineered oak flooring, a hardwood staircase with straight oak pickets, and numerous builder upgrades.The upper level offers three spacious bedrooms, including a private primary retreat with two walk-in closets and a spa-inspired ensuite with glass shower. The oversized laundry room provides excellent flexibility and can also function as a home office. A full basement adds valuable potential for future living space, recreation, storage, or customization. Proudly owner-occupied and well maintained, this home reflects true pride of ownership. Located minutes from Lindsay Square Mall, grocery stores, restaurants, schools, healthcare, parks, trails, and green spaces, this is an excellent opportunity to own a stylish family home in one of Lindsay's growing and sought-after communities.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13419016
- Source status
- Extension
- Bedrooms
- 3
- Bathrooms
- 3
- Postal code
- K9V 0R8
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1500-2000
- Lot depth
- 100.27 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 4
- Occupancy
- Owner
- Possession type
- 30-59 days
- Garage
- Attached
- Annual property tax
- 5027
- Basement
- Full, Unfinished
- Interior features
- Other
- Architectural style
- 2-Storey
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- West
- Construction materials
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Concrete
- MLS entry age (not confirmed DOM)
- 150 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 6
- Den / family room reported
- No
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $919,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- Kawartha Lakes
- Municipality
- KAWARTHA LAKES
- MLS® community
- Lindsay
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
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Nearby schools
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Transit near this property
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Nearby shops & amenities
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Similar homes for sale in Kawartha Lakes
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
197 St Joseph Road, Kawartha Lakes, ON K9V 0R8, Kawartha Lakes is listed for sale as a Detached. The listing reports 3 bedrooms, 3 bathrooms, reported interior area of 1500-2000 (units not reported), kitchens reported as 1, parking spaces reported as 4. Asking price: $919,000. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13419016.
Local context
Explore the area: Kawartha Lakes · Lindsay.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: CENTURY 21 PERCY FULTON LTD.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13419016. Information deemed reliable but not guaranteed.