21 Sussex Street N, Kawartha Lakes

$650,000
21 Sussex Street N

$650,000

New
25d
Detached2-Storey

21 Sussex Street N, Kawartha Lakes

Total Monthly Obligation $3,251

Beds
4
Baths
2
Park
3
Sqft
1500-2000
DOM
25d
Score
19
Yield
4.7%
Cash on Cash
-3.3%
Cap Rate
3.9%
5Y IRR
12.9%
10Y IRR
12.5%
Property Type-Detached
MLS® Number-X13842960
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-44.79 × 84.86 ft
Listed on site-Sep 28, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$3,049 (2025)
Parking-3 - Detached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Coldwell Banker Electric Realty
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas
Pool-None
Facing-West
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-Immediate
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

This charming all-brick home offers timeless character with thoughtful modern updates. Just a short walk to downtown shopping, parks and schools, this property combines convenience with exceptional curb appeal. Inside, you'll find soaring ceilings, a blend of original and engineered hardwood flooring, fresh paint throughout, Hunter Douglas blinds, and an inviting layout featuring a cozy den with a gas fireplace, a spacious living room with a second gas fireplace, and an eat-in kitchen with granite countertops and a garden door leading to the backyard. A side entrance opens into a practical mudroom with additional storage. Outside, enjoy the impressive 20' x 20' stamped concrete patio with a gas BBQ hookup, stamped concrete walkway and front steps, new fencing, many updated windows and doors, and a detached garage with a paved driveway offering ample parking. Additional features include gas heating, central air conditioning, updated roof, eavestroughs and gutter guards. A wonderful opportunity to own a character home in a sought-after location. Seller provides no representations or warranties. Taxes estimated. Rental equipment and other fees are unknown.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$520,000
Land Transfer Taxes$9,475
Legal Fees (Est.)
$
Total cash required for closing$140,975

Total Monthly Obligation

$3,251/mo
Mortgage $2,622
Monthly Loss $2,561
Principal$690
Interest$1,932
Property Tax$254
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-8.2%1
5-Year IRR
9.1%30
10-Year IRR
9.9%
Returns Index
16.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$30,600/yr
NOI
$19,991/yr
Net Cash Flow
-$956/mo
Cash Margin
-37.5%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.648
LTV Ratio
80.0%18
Vacancy Buffer
3.0 mo49
Risk Index
25.1/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 21 Sussex Street N

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.