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$439K · 3+3 bed Duplex · Lindsay, Kawartha Lakes | MyPropertyScout

$439,000

36 Caroline Street

3+32TenantOccupied

Map

$439,000

A●●○○○DOM45days

36 Caroline Street

Kawartha Lakes · Ontario K9V 1T1

MLS® X13109610 · Lindsay · K9V 1T1

3+32TenantOccupied1500-2000 ft²DuplexNone45d$251/ft²Lot 66 x 132 ft< .50 ac$2,699 tax/yr

16% below market · 45 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Solid Brick Duplex - Ideal Investment Opportunity. Well-maintained solid brick duplex offering an excellent opportunity for investors or those looking to live in one unit while generating income from the other. Each spacious unit features three bedrooms, providing comfortable living space for families or tenants. One unit is currently tenanted, offering immediate rental income, while the second unit provides flexibility for owner occupancy or additional rental potential. The property sits on a l…

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Property details

MLS#: X13109610
Status: Buy Now
Beds: 3+3
Baths: 2 full, 0 half
Size: 1500-2000
Style: 2-Storey
Type: Duplex
Year built: —

Roof: Asphalt Shingle
Foundation: Stone
Other structures: Fence - Partial

Garage: None
Garage spaces: 0
Parking: 6 total
Lot: 66 × 132
Heating: Forced Air
Heating fuel: Gas
Cooling: None
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Brick · Deck, Porch, Year Round Living
Fronting on: West
Cross street: CAROLINE & QUEEN
Basement: Unfinished
Stories: —
Utilities: —
Laundry: —
Interior: Separate Hydro Meter, Water Heater Owned
Parking features: —

Additional listing data

ListAOR: Central Lakes Association of REALTORS

Rooms

Level	Room	Dimensions
Main	Living Room	3.61m × 3.09m
Main	Primary Bedroom	2.97m × 2.99m
Main	Bedroom	2.93m × 2.99m
Main	Dining Room	2.36m × 4.5m
Main	Kitchen	2.76m × 4.5m
Main	Bedroom	2.72m × 2.99m
Main	Bathroom	1.97m × 2.79m
Main	Living Room	3.8m × 3.99m
Main	Kitchen	2.83m × 2.45m
Main	Bathroom	2.25m × 2.81m
Second	Bedroom	3.83m × 4.23m
Second	Bedroom 2	3.28m × 2.74m
Second	Primary Bedroom	5.45m × 4.21m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Re/Max All-Stars Realty Inc.

Source: TRREB/PROPTX · MLS® X13109610

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$439K

36 Caroline Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $439,000✓ $2,699 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,630/mo

incl. closing costs (yr 1)

Annual total

$43,559

year 1

Mortgage only

$1,665/mo

principal + interest

Beyond mortgage

$1,068/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$87,800

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$225/mo

Utilities

Hydro / electricity$123/mo

≈ $0.07/ft² × ~1,750 ft² · ON avg ~$123/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,390/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$5,255

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)46% $19,985/yr

Property taxes18% $7,954/yr

Utilities10% $4,530/yr

Insurance & security4% $1,600/yr

Maintenance10% $4,390/yr

Closing costs12% $5,100/yr

Mortgage is 46% of your true cost of ownership. The other 54% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$19,985	$1,665/mo
Government & taxes
Property tax	$2,699	$225/mo
Land transfer tax(closing)	$5,255	$438/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$1,470	$123/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,390	$366/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$43,559	$3,630/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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36 Caroline Street

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Sales History

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Annual costs