21 Richmond Street, Kawartha Lakes, ON

$369,900
MLS#:X12983614
4 beds
2 baths
700-1100 sqft
5.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of Eldon. Expertly crafted featuring premium aluminum siding construction, this residence presents an exceptional opportunity offered at $369,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 97.1 x 117.55 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 5.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Carpet Free, Sump Pump, Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via propane

Description

4-bedroom family home nestled on a quiet dead-end street, offering peaceful living with convenient access to nearby amenities and waterfront recreation. This home features 2 bedrooms on the main floor and 2 additional bedrooms upstairs, making it ideal for families of all sizes. The main level offers a spacious formal dining room, perfect for hosting, and a bright living room highlighted by a large front window and a airtight wood stove. You'll also find the convenience of main floor laundry and a 3-piece bathroom. Upstairs includes another 3-piece bath complete with a tub. Enjoy your morning coffee on the covered front porch, or unwind in the large enclosed rear porch with walkout to a deck overlooking the water. Recent updates include a new propane furnace and central air conditioning, providing year-round comfort. Outside, the property features a detached single-car garage and a small barn with 4 stalls, offering great potential for hobby farming or storage. The home is serviced by a drilled well and septic system. Ideally located just 5 minutes from Kirkfield and approximately 90 minutes from the GTA, this property also offers close proximity to Mitchell Lake and the Trent-Severn Waterway, perfect for boating and outdoor enthusiasts.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 6, 2026
Sold price information is available to members only
Listed Date4/10/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionAluminum Siding
BasementFull, Unfinished
Lot Size97.1 × 117.55 Feet
CountyKawartha Lakes
Annual Tax$2,563
Legal DescriptionLT 9 S/S RICHMOND ST, 10 S/S RICHMOND ST PL 113; PT LT 8 S/S RICHMOND ST PL 113; PT RDAL BTN CON 10 AND CON 11 ELDON CLOSED BY R218463, PARTS 2 TO 4, 57R1746; KAWARTHA LAKES

Parking & Garage

Parking Spaces5.0
Garage Spaces4
Garage TypeDetached

Heating & Cooling

Heat SourcePropane
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Cul de Sac/Dead End, Lake/Pond, Level, School Bus Route

Interior Features

Carpet Free, Sump Pump, Water Heater

Security Features

None

Community Features

Location

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21 Richmond Street, Kawartha Lakes, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 21 Richmond Street W, Kawartha Lakes, ON K0M 2B0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Kawartha Lakes.

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Interest Rate5.25%
Down Payment$18,495 (5.0%)
* Minimum Canadian down payment required for this price is $18,495.
Amortization Period25 Years
Estimated Monthly Payment$2,094Based on a loan of $351,405 over 25 years.
Purchase Price$369,900
Loan Amount$351,405
Provincial Land Transfer Tax:$4,024
Total Estimated Closing Taxes:$4,024

About Purchasing a Home in Kawartha Lakes, ON

For a property listed at $369,900 in Kawartha Lakes, the legal minimum down payment is $18,495 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $4,024 for this transaction. As this listing is in Kawartha Lakes (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $4,024.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Eldon, Kawartha Lakes.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$990,598

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

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Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.