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89 Gilson Street, Kawartha Lakes, ON K0M 2C0

5 beds · 4 baths · 1 kitchen · 7+4 rooms · 8 parking spaces · 1500-2000 sq ft · Detached
$1,849,000
Property tax
$7,243 / year

Experience luxury lakeside living in this immaculate waterfront bungalow with 100 feet of private shoreline and breathtaking sunset views across the lake.Offering 5 bedrooms, 4 bathrooms, and nearly 4,000 sq ft of finished living space across two levels, the home is designed to maximize natural light and lake views from nearly every room. Floor-to-ceiling windows and new patio doors beautifully frame the lake views throughout the home. The main level features rich hardwood flooring, a fireplace, and a spacious kitchen thoughtfully opened to enhance sight lines to the lake. New decks with wrought-iron railings and glass panels wrap the main level, including a motorized awning over the kitchen deck and a screened sitting area below. The primary suite includes a walk-in closet, ensuite, and walkout to a private lakeside deck. The fully finished walkout lower level effectively doubles the living space, featuring two additional lakefront bedrooms, heated floors, soundproofing, a wet bar, new flooring, and direct access to the outdoor living areas. Outside, enjoy a new rear patio, lakeside firepit patio, perennial gardens, raised garden boxes, and more than 80 feet of wooden walkways with lamp posts leading to the shoreline. Two attached, oversized double-car garages provide more than 1,300 sq ft of versatile functional space. One garage is positioned at the front of the home, while the second offers direct backyard access and includes its own 100-amp service - ideal for a workshop, watercraft storage, or recreational equipment. Major mechanical updates have already been completed, including a new Lennox furnace (2026, warranty to 2035), A/C (2023), full Rainfresh water softener system, and paved driveway. One of those rare homes that genuinely exceeds expectations in person, shows 10/10. This waterfront home is located just 15 minutes north of downtown Port Perry and 25 minutes from Uxbridge.

MLS number
X13639514
Type
Detached
Status
Active
Bedrooms
5
Bathrooms
4
Postal code
K0M 2C0
Photos
47
38days · 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
$595k$1.23M$1.87M20252026this 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 952 people.

$116,000Median household income
94.8%Own their home
98.7%Detached houses
56.4Median age
10.8%Born outside Canada
26.2%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35160164 — the few blocks around this address, home to 952 people. It describes the area, not this property.

952Population
50.7Average age
2.5Household size
$139,000Average household income
$116,000Median household income
95%Own their home
5%Rent
0%Condominiums
11%Born outside Canada
26%University degree
$908,000Average home value
5%Low income
92%Not in the labour force
16%Never married
$25,000 to $29,9992%
$30,000 to $34,9992%
$35,000 to $39,9991%
$40,000 to $44,9991%
$45,000 to $49,9992%
$50,000 to $59,9992%
$60,000 to $69,9994%
$70,000 to $79,9993%
$80,000 to $89,9994%
$90,000 to $99,9996%
$100,000 and over37%
$100,000 to $124,9999%
$125,000 to $149,9997%
$150,000 to $199,99911%
$200,000 and over11%

Percentages are of the 605 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.

$369,800 · minimum here is $369,800
$8,186.97per month
Borrowed before insurance$1,479,200
Total borrowed$1,479,200
Interest over 25 years at 4.5%$976,892

If you rented it out

-$8,790.56per month out of pocket
Rent$0.00
Everything it costs to hold$8,790.56
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 CHESTNUT PARK REAL ESTATE LIMITED. Listing data provided by the Toronto Regional Real Estate Board.