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129 McGuire Beach Road, Kawartha Lakes, ON K0M 2B0

3 beds · 1 bath · 1 kitchen · 7 rooms · 6 parking spaces · 700-1100 sq ft · Detached
$389,900
Property tax
$1,222 / year

Discover peaceful waterfront living in this beautifully renovated 3-bedroom, 3-season home, tucked away in a private, quiet cove on the east end of Canal Lake. Offering over 140 ft. of shoreline, this exceptional setting is perfect for those looking to enjoy the tranquility of nature, with no boat traffic to disturb the peaceful surroundings. An ideal location for canoeing, kayaking, fishing, or simply relaxing and taking in the water views and bird watcher's paradise. Canal Lake is part of the renowned Trent-Severn Waterway, providing endless boating opportunities and excellent fishing, with the historic Kirkfield Lift Locks just minutes away. Recently renovated from top to bottom, this bright and spacious home offers an open-concept design with beautiful water views, a centre island, laminate flooring throughout, heated floor in bathroom and an efficient electric heat pump providing both heating and air conditioning. Step outside to a large rear deck overlooking the water. A covered front porch adds additional outdoor living space, while the separate bunkie provides extra room for overnight guests. The well-maintained yard reflects true pride of ownership for this hidden waterfront retreat offers excellent privacy and a peaceful natural setting. This is an affordable opportunity to own waterfront property. Annual lease of $8,025 with a 5-year term. Only 90 mins from GTA.

MLS number
X13728058
Type
Detached
Status
Active
Bedrooms
3
Bathrooms
1
Postal code
K0M 2B0
Photos
38
Laundry
Not in the unit
12days · 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

No previous listings found for this address.

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.

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

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
$384k$539k$693k20252026this 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 664 people.

$72,500Median household income
100%Own their home
98.3%Detached houses
53.6Median age
11.6%Born outside Canada
5.9%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35160161 — the few blocks around this address, home to 664 people. It describes the area, not this property.

664Population
47.4Average age
2.3Household size
$71,000Average household income
$72,500Median household income
100%Own their home
0%Rent
0%Condominiums
12%Born outside Canada
6%University degree
$532,000Average home value
11%Low income
98%Not in the labour force
21%Never married
$10,000 to $14,9991%
$15,000 to $19,9991%
$20,000 to $24,9993%
$25,000 to $29,9991%
$30,000 to $34,9993%
$35,000 to $39,9993%
$40,000 to $44,9993%
$45,000 to $49,9994%
$50,000 to $59,9997%
$60,000 to $69,9998%
$70,000 to $79,9996%
$80,000 to $89,9997%
$90,000 to $99,9998%
$100,000 and over22%
$100,000 to $124,99910%
$125,000 to $149,9996%
$150,000 to $199,9994%
$200,000 and over3%

Percentages are of the 360 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.

$77,980 · minimum here is $19,495
$1,726.39per month
Borrowed before insurance$311,920
Total borrowed$311,920
Interest over 25 years at 4.5%$205,998

If you rented it out

-$1,828.23per month out of pocket
Rent$0.00
Everything it costs to hold$1,828.23
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 RE/MAX COUNTRY LAKES REALTY INC.. Listing data provided by the Toronto Regional Real Estate Board.