Homula Realty Brokerage
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4075 County Rd 121 N, Kawartha Lakes, ON K0M 2A0

Commercial Retail
$549,500

Current Fire Inspection complete everything is compliant. Investment opportunity in the Heart of Kinmount. This building has been well maintained and cared for. Offering 2 Commerical opportunites on the main floor, with long term Tenant in place in the one unit. The main floor also offers a well appointed studio apartment occupied by Tenant. The upper building has a 2 Bedroom apartment, occupied with long term Tenant, and a one bedroom apartment occupied Dec.1st. These units are a great source of income with the mix of Commercial and Residential uses. Kinmount thrives both Winter and Summer, being on the Rail trail for the adventure snow machines and atv's, and summer attracts a huge support from the Cottage Community. The holding tank is located for easy access and a pump out is approx.$715 month. Updated electrical includes 2-200 amp panels for the building. NOI approx. $55,000per year. Seller take back available with 35% down and will offer Commercial bank rate to get you started.

MLS number
X12807686
Type
Commercial Retail
Status
Active
Bedrooms
—
Bathrooms
5
Postal code
K0M 2A0
Photos
31
Property tax
$1,983 / year
205days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

This address has been listed 3 times.

Sale history is for registered usersSee what this address sold for and when, across all 3 listings. Free account — the board’s rules require one before sold data can be shown.Create a free account

Where this property is

Where this address sits, matched against open government data.

Approximate — placed from the postal code, which can cover a block or more.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
Peterborough Collegiate and Vocational School
Kawartha Pine Ridge DSB
Secondary509 mNot reported
Queen Mary Public School
Kawartha Pine Ridge DSB
Elementary965 m5.5 / 10
55% met the standard
St. Anne Catholic Elementary School
Peterborough Victoria Northum Clarington CDSB
Elementary1.3 km7.0 / 10
70% met the standard
Highland Heights Public School
Kawartha Pine Ridge DSB
Elementary1.1 km5.5 / 10
55% met the standard
Queen Elizabeth Public School
Kawartha Pine Ridge DSB
Elementary1.3 km9.2 / 10
92% met the standard
Prince of Wales Public School
Kawartha Pine Ridge DSB
Elementary1.5 km5.4 / 10
54% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 510 people.

$55,600Median household income
34%Own their home
44.9%Detached houses
32.4Median age
3%Born outside Canada
28.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35150053 — the few blocks around this address, home to 510 people. It describes the area, not this property.

510Population
35.8Average age
2.1Household size
$68,500Average household income
$55,600Median household income
34%Own their home
66%Rent
4%Condominiums
3%Born outside Canada
28%University degree
$390,000Average home value
18%Low income
47%Not in the labour force
42%Never married
$10,000 to $14,9992%
$15,000 to $19,9995%
$20,000 to $24,9995%
$25,000 to $29,9995%
$30,000 to $34,9995%
$35,000 to $39,9994%
$40,000 to $44,9994%
$45,000 to $49,9997%
$50,000 to $59,9999%
$60,000 to $69,99911%
$70,000 to $79,9994%
$80,000 to $89,9995%
$90,000 to $99,9995%
$100,000 and over15%
$100,000 to $124,9995%
$125,000 to $149,9994%
$150,000 to $199,9992%
$200,000 and over2%

Percentages are of the 275 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$109,900 · minimum here is $29,950
$2,433.07per month
Borrowed before insurance$439,600
Total borrowed$439,600
Interest over 25 years at 4.5%$290,320

If you rented it out

-$2,598.32per month out of pocket
Rent$0.00
Everything it costs to hold$2,598.32
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by Royal LePage Frank Real Estate. Listing data provided by the Toronto Regional Real Estate Board.