3 Bertie Street, Kawartha Lakes

$439,900
3 Bertie Street

$439,900

New
9d
Detached1 1/2 Storey

3 Bertie Street, Kawartha Lakes

Total Monthly Obligation $2,450

Beds
3
Baths
2
Park
2
Sqft
1500-2000
DOM
9d
Score
26
Yield
6.9%
Cash on Cash
4.5%
Cap Rate
5.6%
5Y IRR
19.2%
10Y IRR
17.6%
Property Type-Detached
MLS® Number-X14032196
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-43.65 × 165 ft
Listed on site-Oct 14, 2026
Style-1 1/2 Storey
Building Type-Detached
Taxes-$3,603 (2025)
Parking-2 - None
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Re/Max All-Stars Realty Inc.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-TBD
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

3 bedroom, 1.5 bath updated and remodeled century home; ideal starter home backing to Kinsmen Park; neutral decor throughout along with easy care vinyl plank flooring on main floor; bright living room open to spacious dining room with built-in display shelves; wide casings/trim/baseboards highlight original charm of home; eat-in kitchen with multiple windows, white cabinetry and open shelving and access to rear yard; main floor laundry and powder room. Upper level complete with 3 bedrooms and 4 piece bath - ready to move in before Christmas; 100 amp electrical. Roof shingles +/- 1year old; FA gas furnace and central air +/-2021; Note: Separate vacant lot adjacent to this property.

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

Closing Costs

Mortgage Amount
$351,920
Land Transfer Taxes$5,273
Legal Fees (Est.)
$
Total cash required for closing$94,753

Total Monthly Obligation

$2,450/mo
Mortgage $1,774
Monthly Loss $1,983
Principal$467
Interest$1,307
Property Tax$300
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.4%31
Cash-on-Cash
-2.1%5
5-Year IRR
14.1%65
10-Year IRR
13.9%
Returns Index
34.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
26/ 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
$30,480/yr
NOI
$19,329/yr
Net Cash Flow
-$164/mo
Cash Margin
-6.4%1
Cash Flow Index
1.4/ 100
Risk Profile
Weight: 20%
DSCR
0.9120
LTV Ratio
80.0%18
Vacancy Buffer
3.9 mo67
Risk Index
35.1/ 100

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

Comparables

Properties near 3 Bertie Street

Time

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