145 St Joseph Road, Kawartha Lakes

$829,990
145 St Joseph Road

$829,990

New
8d
Detached2-Storey

145 St Joseph Road, Kawartha Lakes

Total Monthly Obligation $3,723

Beds
4
Baths
5
Park
2
Sqft
2500-3000
DOM
8d
Score
20
Yield
4.4%
Cash on Cash
-2.3%
Cap Rate
4.1%
5Y IRR
13.7%
10Y IRR
13.2%
Property Type-Detached
MLS® Number-X14082632
Beds-4
Bathrooms-5
Size-2500-3000 sqft
Lot Size-40 × 100.06 ft
Listed on site-Oct 15, 2026
Style-2-Storey
Building Type-Detached
Parking-4 - Built-In
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE CITIZEN REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-East
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete
Sewer-Sewer
Possession-Immediate/30-60 days/TBA
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

Step into the impressive Gold Lake Model, Elevation A, in the desirable Sugarwood community of Lindsay! Offering 2,915 sq. ft. of thoughtfully designed living space, this beautiful 4-bedroom, 3.5-bathroom home seamlessly blends style, space, and functionality. The main floor features a separate dining room with elegant hardwood flooring, perfect for hosting family gatherings and special occasions. The inviting great room, also finished with hardwood flooring, flows seamlessly into the open-concept kitchen and breakfast area, creating a warm and welcoming space for everyday living and entertaining. The well-appointed kitchen features a convenient servery and pantry for added storage and functionality. Upstairs, all four bedrooms feature walk-in closets. The primary bedroom boasts a private ensuite, while the second bedroom enjoys its own ensuite, and bedrooms 3 and 4 share a semi-ensuite for added convenience. A second-floor laundry room completes this thoughtfully designed layout. Enjoy spacious interiors, a functional floor plan, and comfortable family living in the growing Sugarwood community, conveniently located near local schools, parks, shopping, and everyday amenities in Lindsay!

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

Closing Costs

Mortgage Amount
$663,992
Land Transfer Taxes$13,075
Legal Fees (Est.)
$
Total cash required for closing$180,573

Total Monthly Obligation

$3,723/mo
Mortgage $3,348
Monthly Loss $2,842
Principal$881
Interest$2,467
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.4%22
Cash-on-Cash
-6.6%2
5-Year IRR
10.3%37
10-Year IRR
10.7%
Returns Index
19.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
20/ 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
$36,528/yr
NOI
$28,375/yr
Net Cash Flow
-$983/mo
Cash Margin
-32.3%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7110
LTV Ratio
80.0%18
Vacancy Buffer
2.6 mo42
Risk Index
23.4/ 100

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

Comparables

Properties near 145 St Joseph Road

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.