278 St Joseph Road, Kawartha Lakes

$684,900
278 St Joseph Road

$684,900

New
23d
Detached2-Storey

278 St Joseph Road, Kawartha Lakes

Total Monthly Obligation $3,563

Beds
4
Baths
4
Park
4
Sqft
2000-2500
DOM
23d
Score
24
Yield
6.3%
Cash on Cash
2.7%
Cap Rate
5.2%
5Y IRR
17.7%
10Y IRR
16.3%
Property Type-Detached
MLS® Number-X13850992
Beds-4
Bathrooms-4
Size-2000-2500 sqft
Lot Size-60 × 100 ft
Listed on site-Sep 30, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,099.45 (2026)
Parking-6 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-Re/Max Hallmark First Group Realty Ltd.
Cooling-Central Air
Laundry-No
Fireplace-Family Room
Pool-None
Facing-North
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Poured Concrete
Sewer-Sewer
Possession-60 Days / TBA
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

Welcome to this beautiful, well-maintained 3+1 bedroom, 4-bathroom home, situated on a mature, fully fenced lot with mature trees adding privacy and character to the backyard. The main level offers a spacious living and dining area, along with a bright eat-in kitchen featuring granite countertops, a centre island and plenty of room for family meals. A walk-out to the composite deck creates an easy connection to the backyard and outdoor living space. The inviting family room, complete with fireplace, provides a warm and comfortable space to gather, while the convenience of main-floor laundry adds to the ease of everyday living. Upstairs, you'll find three generously sized bedrooms, including a spacious primary retreat with an updated 3-piece ensuite. An updated 4-piece main bathroom completes the upper level. The finished basement provides excellent additional living space, featuring an L-shaped recreation room, home office, gym area, fourth bedroom and 3-piece bathroom. Whether used for family activities, guests, working from home or relaxing, this versatile level offers plenty of flexibility. This home has been well maintained and features numerous important updates, including a gas furnace (2018), central air conditioning (2022), shingles, siding, eaves, aluminum fascia, soffit and eavestroughs (2023), updated bathrooms, and the majority of windows on the main and upper levels. Ideally located close to schools, parks, shopping and all amenities, this wonderful home offers a great combination of comfort, functionality and convenience. A warm and welcoming home with plenty of space for the whole family, inside and out!

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%
%
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$
$
(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$547,920
Land Transfer Taxes$10,173
Legal Fees (Est.)
$
Total cash required for closing$148,653

Total Monthly Obligation

$3,563/mo
Mortgage $2,763
Monthly Loss $2,836
Principal$727
Interest$2,036
Property Tax$425
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.3%30
Cash-on-Cash
-2.6%4
5-Year IRR
13.6%62
10-Year IRR
13.4%
Returns Index
32.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
24/ 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
$43,200/yr
NOI
$29,281/yr
Net Cash Flow
-$323/mo
Cash Margin
-9.0%1
Cash Flow Index
0.8/ 100
Risk Profile
Weight: 20%
DSCR
0.8819
LTV Ratio
80.0%18
Vacancy Buffer
2.7 mo43
Risk Index
26.8/ 100

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

Comparables

Properties near 278 St Joseph Road

Time

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