16 Francis Street, Kawartha Lakes

$599,900
16 Francis Street

$599,900

New
3d
Detached2 1/2 Storey

16 Francis Street, Kawartha Lakes

Total Monthly Obligation $3,121

Beds
4
Baths
2
Park
4
Sqft
1500-2000
DOM
3d
Score
19
Yield
5.0%
Cash on Cash
-2.8%
Cap Rate
4.0%
5Y IRR
13.4%
10Y IRR
12.9%
Property Type-Detached
MLS® Number-X14103880
Beds-4
Bathrooms-2
Size-1500-2000 sqft
Lot Size-73 × 116.49 ft
Listed on site-Oct 20, 2026
Style-2 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$3,918.95 (2026)
Parking-4 - None
Basement-Unfinished
Heating-Heat Pump (Gas)
Brokerage-Royal LePage Frank Real Estate
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Fireplace Insert, Natural Gas
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-14-30 days
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

Timeless character meets modern comfort in this 1890 blonde brick century home, just steps to downtown Lindsay, the farmers' market, and great schools. Set on a FULLY FENCED DOUBLE LOT, this charming home features soaring 9-foot ceilings, stained glass accents, rich wood trim, and original HARDWOOD FLOORS. Thoughtful updates include a modernized kitchen, a MAIN-FLOOR THREE-PIECE BATHROOM with heated floors and laundry, and an updated second-level bathroom with a walk-in shower. The second level offers four generously sized bedrooms, all with closets, plus a versatile fifth bonus room, ideal for a nursery, home office, or walk-in closet. The PARTIALLY FINISHED THIRD LEVEL loft provides even more flexible living space, perfect for a studio or home office, with a BATHROOM ROUGH IN offering exciting potential for a future primary retreat. Outside, the expansive back deck is fully screened and covered, creating an inviting and relaxing outdoor living area, while the generous yard offers plenty of room to garden, play, and enjoy the outdoors. With versatile living spaces and room to spread out both inside and out, this is a home where your family can grow, in every way, for years to come.

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

Closing Costs

Mortgage Amount
$479,920
Land Transfer Taxes$8,473
Legal Fees (Est.)
$
Total cash required for closing$129,953

Total Monthly Obligation

$3,121/mo
Mortgage $2,420
Monthly Loss $2,485
Principal$637
Interest$1,783
Property Tax$327
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-7.9%1
5-Year IRR
9.4%31
10-Year IRR
10.1%
Returns Index
16.9/ 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
$30,240/yr
NOI
$18,797/yr
Net Cash Flow
-$853/mo
Cash Margin
-33.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo52
Risk Index
26.0/ 100

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

Comparables

Properties near 16 Francis Street

Time

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