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36 Summer Drive, Kawartha Lakes, ON K0M 2C0

4 beds · 2 baths · 1 kitchen · 4+4 rooms · 10 parking spaces · 1100-1500 sq ft · Detached
$879,900
Property tax
$4,551 / year

Turnkey Lake Scugog waterfront with exceptional swimming and boating right from your own property. Situated on an approximately 83-ft waterfront lot on a quiet Cul-de-sac! This fully renovated four-season home offers a hard-packed sandy waterfront, approximately 5 ft of water at the dock with gradually increasing depth, private docking, boathouse and the rare convenience of your own private boat launch. Inside, this home has undergone an extensive top-to-bottom renovation designed for true year-round living. The interior was substantially gutted and rebuilt with upgraded spray-foam insulation, new drywall, updated electrical wiring and panel, new flooring, updated heating and cooling, newer water-treatment equipment and extensively renewed finishes throughout. The bright open-concept main level takes full advantage of the lakefront setting with soaring cathedral ceilings, exposed beams, a stone fireplace and expansive Lake Scugog views. The large kitchen features marble countertops, an oversized centre island with breakfast seating and ample space for entertaining family and friends. The finished walkout lower level provides four bedrooms and direct outdoor access, creating excellent separation between the entertaining and sleeping areas. Outside is where this property truly sets itself apart. Enjoy swimming from your own shoreline, boating directly from your dock, launching your boat without leaving the property, relaxing beside the water or exploring Lake Scugog and the Trent-Severn system. With extensive renovations already completed, year-round access, high-speed internet, ample parking and a large waterfront lot, 36 Summer Drive offers the opportunity to enjoy cottage-country living without taking on a major renovation after closing. Move in, launch the boat and enjoy the lake.

MLS number
X13151952
Type
Detached
Status
Active
Bedrooms
4
Bathrooms
2
Postal code
K0M 2C0
Photos
23
115days · 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 2 times.

Sale history is for registered usersSee what this address sold for and when, across all 2 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.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

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.

The market around this home

Detached houses in Kawartha Lakes1,786 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.

Median sold priceWhat comparable homes actually sold for
$615k$750k$885k20252026this home’s asking price
$650klatest quarter · hover to read any
Sold vs askingAbove 100% means bidding wars were normal
96%98%100%20252026the asking price
97%latest quarter · hover to read any
Days to sellMedian days on market before the deal closed
-1d27d55d20252026
24dlatest quarter · hover to read any
How these are built, and what they cannot tell you

Each point is the median of the sales that closed in that quarter among detached houses in kawartha lakes. A quarter with fewer than eight is left out rather than drawn, and the line breaks where that happens — a median over three sales is really one home’s price, and joining across a gap would draw a number nobody measured.

This is not an estimate of what this home is worth. The segment is a property type in an area; it takes no account of this home’s size, condition, renovations, lot, exposure or how it compares to its neighbours, and half the homes in any quarter sold for more than the median and half for less. It is context for a conversation with an agent, not a valuation.

Toronto Regional Real Estate Board closed transactions. Deemed reliable but not guaranteed accurate by PropTx.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 480 people.

$104,000Median household income
100%Own their home
100%Detached houses
50.8Median age
8.9%Born outside Canada
20.8%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35160168 — the few blocks around this address, home to 480 people. It describes the area, not this property.

480Population
46.6Average age
2.5Household size
$128,000Average household income
$104,000Median household income
100%Own their home
0%Rent
0%Condominiums
9%Born outside Canada
21%University degree
$760,000Average home value
8%Low income
64%Not in the labour force
19%Never married
$35,000 to $39,9992%
$40,000 to $44,9994%
$45,000 to $49,9994%
$50,000 to $59,9996%
$60,000 to $69,9994%
$70,000 to $79,9992%
$80,000 to $89,9994%
$90,000 to $99,9994%
$100,000 and over37%
$100,000 to $124,99911%
$125,000 to $149,9997%
$150,000 to $199,99911%
$200,000 and over6%

Percentages are of the 270 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.

$175,980 · minimum here is $62,990
$3,896.01per month
Borrowed before insurance$703,920
Total borrowed$703,920
Interest over 25 years at 4.5%$464,882

If you rented it out

-$4,275.26per month out of pocket
Rent$0.00
Everything it costs to hold$4,275.26
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.