45 Mill Street, Kawartha Lakes, ON K9V 2L5
Kawartha Lakes, ON K9V 2L5
Quick cost estimateKnown monthly subtotal$2,486.03 / monthLand transfer tax $6,073One-time estimate
Quick cost estimate
$2,486.03 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,232.90
- Property tax / month
- $253.14
- 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
- $6,073
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
- $6,073
- 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 45 Mill Street in Lindsay, a beautifully maintained 1.5-storey century home offering timeless character, thoughtful updates, and the convenience of main-floor living. Situated on a generous 0.267-acre lot in town, this charming 3-bedroom, 2-bathroom home showcases the craftsmanship of a bygone era with original wood trim, impressive 10-foot main-floor ceilings, large windows, and solid double-brick construction. The spacious main level features a formal living and dining room, along with a welcoming eat-in kitchen complete with custom wood cabinetry and plenty of space to gather. Designed with convenience in mind, the main floor also offers a primary bedroom with an updated ensuite bathroom, a second bedroom that could easily serve as a home office, and main-floor laundry. Everything you need for comfortable everyday living is conveniently located on one level! Upstairs, you'll find a third bedroom and full bathroom featuring a classic clawfoot tub, adding to the home's historic charm. The partially finished basement provides additional living space with a comfortable recreation room, along with storage and utility space with walk-up access. Lovingly cared for over the years, the home has benefited from several important improvements, including updated shingles, soffit and fascia (2024), an updated electrical panel (2026), engineered hardwood flooring, an updated forced-air natural gas furnace, and central air conditioning. Outside, the spacious lot offers mature trees and plenty of green space, while the rear deck provides a great setting for outdoor dining and entertaining. The enclosed front screened-in porch offers another inviting space to relax and enjoy the outdoors. Whether you're looking to simplify your lifestyle with main-floor living or appreciate the warmth and character of a well-preserved century home, 45 Mill Street offers a wonderful blend of historic charm, modern comfort, and everyday practicality.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X14127176
- Source status
- New
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- K9V 2L5
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1100-1500
- Lot size
- < .50 acres (reported range)
- Lot depth
- 171.82 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 2
- Occupancy
- Vacant
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 3037.64
- Basement
- Partially Finished, Walk-Up
- Interior features
- Primary Bedroom - Main Floor, Water Heater Owned
- Exterior features
- Year Round Living, Deck, Porch Enclosed
- Architectural style
- 1 1/2 Storey
- Parking features
- Private
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- No
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- West
- Construction materials
- Brick, Stucco (Plaster)
- Roof
- Asphalt Shingle
- Foundation
- Stone
- MLS entry age (not confirmed DOM)
- 8 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
- 9
- Rooms below grade
- 1
- 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
- $479,900
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.
Explore sold records with approved VOW access →Nearby homes sold near 45 Mill Street, Kawartha Lakes, ON K9V 2L5, Kawartha Lakes
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Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
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
Plan a trip from this home
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
St. Mary Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
School board: Peterborough Victoria Northum Clarington CDSB ↗
16 St Lawrence St, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 50%
- Grade 3 Writing (at provincial standard)
- 20%
- Grade 3 Mathematics (at provincial standard)
- 40%
- Grade 6 Reading (at provincial standard)
- 73%
- Grade 6 Writing (at provincial standard)
- 82%
- Grade 6 Mathematics (at provincial standard)
- 9%
King Albert Public School ↗
Elementary · JK-8 · English · Public
School board: Trillium Lakelands DSB ↗
49 Glenelg St W, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 80%
- Grade 3 Writing (at provincial standard)
- 55%
- Grade 3 Mathematics (at provincial standard)
- 50%
- Grade 6 Reading (at provincial standard)
- 77%
- Grade 6 Writing (at provincial standard)
- 69%
- Grade 6 Mathematics (at provincial standard)
- 31%
Queen Victoria Public School ↗
Elementary · JK-8 · English · Public
School board: Trillium Lakelands DSB ↗
11 John St, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 65%
- Grade 3 Writing (at provincial standard)
- 43%
- Grade 3 Mathematics (at provincial standard)
- 65%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 83%
- Grade 6 Mathematics (at provincial standard)
- 50%
Central Senior School ↗
Elementary · 4-8 · English · Public
School board: Trillium Lakelands DSB ↗
242 Kent St W, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
Lindsay Collegiate and Vocational Institute ↗
Secondary · 9-12 · English · Public
School board: Trillium Lakelands DSB ↗
260 Kent St W, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 55%
- Grade 10 OSSLT (first-attempt pass)
- 77%
Alexandra Public School ↗
Elementary · JK-8 · English · Public
School board: Trillium Lakelands DSB ↗
65 Sussex St N, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 43%
- Grade 3 Mathematics (at provincial standard)
- 52%
- Grade 6 Reading (at provincial standard)
- 76%
- Grade 6 Writing (at provincial standard)
- 82%
- Grade 6 Mathematics (at provincial standard)
- 71%
I E Weldon Secondary School ↗
Secondary · 9-12 · English · Public
School board: Trillium Lakelands DSB ↗
24 Weldon Rd, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 43%
- Grade 10 OSSLT (first-attempt pass)
- 82%
Leslie Frost Public School ↗
Elementary · JK-8 · English · Public
School board: Trillium Lakelands DSB ↗
51 Angeline St S, Lindsay
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 59%
- Grade 3 Writing (at provincial standard)
- 63%
- Grade 3 Mathematics (at provincial standard)
- 61%
- Grade 6 Reading (at provincial standard)
- 86%
- Grade 6 Writing (at provincial standard)
- 85%
- Grade 6 Mathematics (at provincial standard)
- 57%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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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.
What do nearby school, transit and shop results mean?
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.
Can I see sold prices for nearby properties?
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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
45 Mill Street, Kawartha Lakes, ON K9V 2L5, Kawartha Lakes is listed for sale as a Detached. The listing reports 3 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 2, lot size reported as < .50 acres (reported range). Asking price: $479,900. Occupancy is reported as Vacant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X14127176.
The Ministry’s school dataset lists St. Mary Catholic Elementary School approximately 230 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists St. Mary Catholic Elementary School approximately 230 m from the property’s mapped location.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility.
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: Royal Lepage Kawartha Lakes Realty Inc.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14127176. Information deemed reliable but not guaranteed.