521 Ranch Road, Kawartha Lakes, ON K0M 1A0
- Property tax
- $2,757 / year
Stunning fully renovated 3-bedroom, 2-bath raised bungalow showcasing exceptional craftsmanship and high-end finishes throughout. FULLY FURNISHED & TURNKEY - Just mins to Bobcaygeon and short walk to Sturegon Lake access. Exceptional opportunity to own a beautifully renovated, fully furnished Kawartha Lakes retreat where everything has already been done! With both levels predominantly above grade, the bright, airy layout feels more like a two-storey home than a traditional bungalow. The spectacular open-concept main level features a designer kitchen with quartz countertops, built-in appliances, abundant cabinetry, and open concept to dining and living. Walk out to the impressive 47-ft wraparound sundeck, perfect for relaxing, dining, or hosting family and friends.*** The lower level offers an incredible primary retreat complete with a luxurious 5-piece ensuite bath that must be seen to be appreciated. A spacious family room with electric fireplace creates a warm and inviting atmosphere, complemented by a built-in bar area for entertaining. A walkout to the backyard enhances the indoor-outdoor lifestyle.***Over $250,000 spent in renovations and upgrades since 2021***Additional features include a private, treed lot offering exceptional privacy, a 17' x 10' guest bunkie. BONUS: newly built 26' x 22' insulated and heated garage with built-in cabinetry and shelving. Enjoy a private patio with fire pit, perennial gardens, and convenient dry storage under the deck. The expansive 90' x 22' driveway provides ample parking for a motorhome, boat, or recreational toys.***Unbeatable location just 5 minutes to Bobcaygeon for restaurants and amenities, and only a 2-minute stroll down the laneway to public access on beautiful Sturgeon Lake for swimming or launching your boat.***This is a rare turnkey opportunity offering luxury, privacy, and lifestyle in one exceptional package. ***Bring your fussiest client-they will not be disappointed*** Shows a 10!!!
- MLS number
- X13484548
- Type
- Detached
- Status
- Active
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- K0M 1A0
- Photos
- 50
- Laundry
- Main Level level
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.
Rooms
8 rooms as the listing brokerage filed them, 7 of them with measurements.
Main
| Room | Size | Features |
|---|---|---|
| Living Room | 6.62 × 3.42 m | Fireplace · Open Concept · Pot Lights |
| Dining Room | not measured | Combined w/Living · Walk-Out · Open Concept |
| Kitchen | 5.06 × 3.35 m | Eat-in Kitchen · Quartz Counter · B/I Appliances |
| Laundry | 1.55 × 1.00 m | B/I Shelves · French Doors |
| Bedroom 2 | 3.54 × 2.70 m | — |
| Bedroom 3 | 3.00 × 2.79 m | — |
| Family Room | 6.28 × 4.71 m | B/I Bar · Electric Fireplace · Walk-Out |
Lower
| Room | Size | Features |
|---|---|---|
| Primary Bedroom | 4.30 × 3.38 m | 5 Pc Ensuite · Soaking Tub · Separate Shower |
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Detached
- Style
- Bungalow-Raised
- Class
- Residential Freehold
- Fronting on
- West
- Community
- Verulam
- Municipality
- Kawartha Lakes
- Cross street
- Hwy 36 & Ranch Rd
- Zoning
- R1
Inside
- Bedrooms
- 3
- Bedrooms above grade
- 3
- Bathrooms
- 2
- Washrooms
- 1 on the main floor · 1 on the lower floor
- Kitchens
- 1
- Rooms above grade
- 8
- Family room
- Yes
- Fireplace
- Yes
- Basement
- Finished, Finished with Walk-Out
- Laundry
- Main Level
- Size
- 700-1100
Building
- Construction
- Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation
- Concrete Block
- Other structures
- Aux Residences
Parking
- Garage
- Detached
- Covered spaces
- 2
- Driveway spaces
- 12
- Total parking
- 14
- Features
- Private, RV/Truck
Land
- Lot
- 120 × 100 feet
- Shape
- Rectangular
- View
- Trees/Woods
- Pool
- None
Heating, cooling and services
- Heating
- Forced Air
- Heat source
- Propane
- Cooling
- Central Air
- Water
- Well
- Sewer
- Septic
Features
- Property
- Level, Wooded/Treed
- Interior
- Built-In Oven, Countertop Range, In-Law Capability
- Exterior
- Landscaped, Privacy, Year Round Living
Listing
- MLS number
- X13484548
- Status
- Price Change
- Previous status
- New
- Listed on
- 2026-06-24
- Expires
- 2026-11-30
- Taxes
- $2,757 (2026)
- Board
- Toronto Regional Real Estate Board
Listing history
No previous listings found for this address.
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.
| School | Level | Distance | Rating |
|---|---|---|---|
| Kenner Intermediate School Kawartha Pine Ridge DSB | Elementary | 433 m | Not reported |
| Kenner Collegiate and Vocational Institute Kawartha Pine Ridge DSB | Secondary | 444 m | / 10 44% met the standard · 2 of 6 measures |
| Roger Neilson Public School Kawartha Pine Ridge DSB | Elementary | 672 m | / 10 57% met the standard |
| St. John Catholic Elementary School Peterborough Victoria Northum Clarington CDSB | Elementary | 983 m | / 10 63% met the standard |
| St. Patrick Catholic Elementary School Peterborough Victoria Northum Clarington CDSB | Elementary | 1.2 km | / 10 61% met the standard |
| Otonabee Valley Public School Kawartha Pine Ridge DSB | Elementary | 1.3 km | / 10 47% 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
The market around this home
Detached houses in Kawartha Lakes — 1,786 sales over the last five years. Too few sold in this community to chart it on its own, so this is the whole city.
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 495 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35150095 — the few blocks around this address, home to 495 people. It describes the area, not this property.
Percentages are of the 265 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.
If you rented it out
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.