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$650K · 3 bed Detached · Lindsay, Kawartha Lakes | MyPropertyScout

$649,700

112 Adelaide Street

32OwnerOccupied

Map

$649,700

C●●○○○

112 Adelaide Street

Kawartha Lakes · Ontario K9V 4L9

MLS® X13110946 · Lindsay · K9V 4L9

32OwnerOccupied1500-2000 ft²Detached1-car Carport$371/ft²Lot 68 x 100 ft.50-1.99 ac$3,472 tax/yrBuilt 195175 yrs old

4% above market · regional est.

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

About this home

Welcome to this beautifully maintained split-level home in the highly sought-after Northward neighbourhood - a property that combines space, comfort, and everyday functionality in one exceptional package. From the moment you step inside, you'll appreciate the warm hardwood flooring, bright living spaces, and thoughtfully designed layout that's perfect for growing families and entertaining alike.The updated kitchen offers modern finishes, abundant cabinetry, and generous prep space, flowing seaml…

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Property details

MLS#: X13110946
Status: Buy Now
Beds: 3
Baths: 2 full, 0 half
Size: 1500-2000
Style: Sidesplit
Type: Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Concrete
Other structures: Garden Shed
Property features: Fenced Yard, Hospital, School, Park, Public Transit, Rec./Commun.Centre

Garage: 1-car Carport
Garage spaces: 1
Parking: 4 total
Lot: 68 × 100
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Stone, Aluminum Siding · Controlled Entry, Deck, Landscaped, Year Round Living
Fronting on: East
Cross street: North on Adelaide st from Colborne St., house is on right hand side
Basement: Finished
Stories: —
Utilities: —
Laundry: —
Interior: Storage
Parking features: —

Rooms

Level	Room	Dimensions
Main	Foyer	4.48m × 2.27m
Main	—	5.04m × 4.11m
Main	Kitchen	2.88m × 3.53m
Flat	Family Room	4.76m × 3.43m
Second	Primary Bedroom	3.1m × 4.01m
Second	Bedroom 2	4.03m × 2.98m
Second	Bedroom 3	3.05m × 2.83m
Lower	Laundry	3.88m × 5.38m
Lower	Recreation	8.04m × 6.23m
Second	Bathroom	1.16m × 2.57m
Second	Bathroom	1.63m × 2.58m

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® X13110946

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$650K

112 Adelaide Street · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $649,700✓ $3,472 tax✓ Gas✓ 1500-2000 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$5,020/mo

incl. closing costs (yr 1)

Annual total

$60,245

year 1

Mortgage only

$2,465/mo

principal + interest

Beyond mortgage

$1,308/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$129,940

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$289/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%$6,497/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$9,469

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)49% $29,577/yr

Property taxes21% $12,941/yr

Utilities8% $4,530/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,497/yr

Closing costs8% $5,100/yr

Mortgage is 49% of your true cost of ownership. The other 51% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,577	$2,465/mo
Government & taxes
Property tax	$3,472	$289/mo
Land transfer tax(closing)	$9,469	$789/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%)	$6,497	$541/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	$60,245	$5,020/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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112 Adelaide Street

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs