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28 BAKER Lane, Kawartha Lakes, ON M4M 1S2

3 beds · 1 bath · 1 kitchen · 6 rooms · 2 parking spaces · 700-1100 sq ft · Detached
$449,999
Property tax
$1,302 / year

144' Feet of Shoreline Ownership on the Head River! 3 Bedroom, 1 bath 3 season dwelling that is insulated and just needs water winterized to allow for 4 season living! Cute, open concept living - dining room that walks out to a large deck overlooking the water. Large bathroom with laundry. Flooring and kitchen have been updated as well as a pellet stove for heat. Great get away spot 20- minutes to Orillia and under an hour to Barrie.

MLS number
X13610690
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
M4M 1S2
Photos
12
47days · 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
$445k$569k$692k20252026this 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 544 people.

$68,000Median household income
94.7%Own their home
98%Detached houses
53.6Median age
5.9%Born outside Canada
11.5%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35160162 — the few blocks around this address, home to 544 people. It describes the area, not this property.

544Population
49.1Average age
2.2Household size
$93,000Average household income
$68,000Median household income
95%Own their home
5%Rent
0%Condominiums
6%Born outside Canada
12%University degree
$600,000Average home value
13%Low income
84%Not in the labour force
20%Never married
$5,000 to $9,9992%
$10,000 to $14,9992%
$15,000 to $19,9992%
$20,000 to $24,9995%
$25,000 to $29,9992%
$35,000 to $39,9995%
$40,000 to $44,9993%
$45,000 to $49,9993%
$50,000 to $59,99910%
$60,000 to $69,9996%
$70,000 to $79,9993%
$80,000 to $89,9998%
$90,000 to $99,9995%
$100,000 and over23%
$100,000 to $124,9998%
$125,000 to $149,9995%
$150,000 to $199,9995%
$200,000 and over5%

Percentages are of the 310 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.

$90,000 · minimum here is $22,500
$1,992.50per month
Borrowed before insurance$359,999
Total borrowed$359,999
Interest over 25 years at 4.5%$237,750

If you rented it out

-$2,101.00per month out of pocket
Rent$0.00
Everything it costs to hold$2,101.00
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 RIGHT AT HOME REALTY. Listing data provided by the Toronto Regional Real Estate Board.