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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale Listed 2 days ago

    14172 Road 38

    Frontenac Centre·Sharbot Lake, ON·K0H 2P0·Near Road 38 & Elizabeth St

    • 5 beds
    Sharbot Lake real estate›X13448428
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Waterfront in the village. That's the short version.The long version: over 100 feet of owned shoreline on Sharbot Lake, a private dock, direct water views - and most of what you need in Sharbot Lake is a short walk away. This two-storey home has been used as a personal residence with a self-contained in-law suite - and the layout gives you real flexibility. The main residence spans two floors. Main level has a two bedrooms, full bathroom, kitchen, and living spaces. Upstairs is where it gets interesting - two separate bedrooms, a den/office, plus a generous master suite with a king-size sleeping area, a small gym, and a private balcony overlooking the lake. The in-law suite has its own private entrance, bedroom, bathroom, and walkout to the backyard. Private enough to feel separate. Close enough to keep an eye on things. Originally a triplex, this property has income potential baked into its bones. The current owners converted it into a comfortable single-family home with suite - but the history is there for a buyer who wants to explore options, subject to zoning and municipal approvals. Tie up the boat and walk home. It doesn't get more convenient than that. Separate hydro meters. Private drive with three parking spaces. Year-round municipal road access. High-speed internet and cell service. Drilled well and septic. Three electric fireplaces. Main-floor laundry. Multi-generational living on the water, in the heart of the village. It's a setup most families spend years trying to find.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jun 15, 2026ListedCurrentFor sale$649,000 —X13448428This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      5
      Heating
      Baseboard
      Air conditioning
      None
      Fireplaces
      3
      Water source
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 14172 Road 38
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Lake/Pond
    • Park
    • Place Of Worship
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $3,188
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $348
    0.64% mill rate · ON
    The market

    How this home sits in the Sharbot Lake market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Sharbot Lake market right now

    Average sold price, days on market, and closed-transaction count for Sharbot Lake — sourced from MLS®.

    • Avg sold price
      $780,583
      Last 30 days
    • Median sold price
      $865,000
      Middle of the market
    • Days on market
      52 d
      Avg from list to close
    • Closed last 30d
      3
      MLS® transactions
    Full Sharbot Lake market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 14172 Road 38 — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 14172 Road 38 and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 14172 Road 38 listed for?

      14172 Road 38 is listed at $649,000 on the MLS® (listing X13448428). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 14172 Road 38 have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 3 baths
  2. 2500-3000 sqft
  3. Duplex
  4. < .50 ac lot
  5. Asking
    $649,000
    $0 / sqft · MLS® X13448428
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,061,593
    $976,665Confidence range$1,146,520
    Asking vs estimate
    ↓below
    −$412,593
    (-38.9%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Sharbot Lake sell in about 52 days — this one has been listed 2 days.

    Avg sold price
    $780,583
    Median sold
    $865,000
    Avg days on market
    52
    Recently sold
    3
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • The main residence spans two floors.
    • Main level has a two bedrooms, full bathroom, kitchen, and living spaces.
    • The in-law suite has its own private entrance, bedroom, bathroom, and walkout to the backyard.
    • Private drive with three parking spaces.
    Ask Zara a follow-up
    Well
    Sewer
    Septic
  7. Parking & garage

    3
    Garage
    None
    Parking spaces
    3
    Driveway
    Private
  8. Interior

    5
    Basement
    Partial Basement, Unfinished, Crawl Space
    Family room
    N
    Kitchens
    2
    Total rooms
    19
    Laundry level
    Main Level
  9. Exterior & construction

    6
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Concrete Block, Concrete
    View
    Bay, Lake, Water
    Waterfront
    Y
    Pool
    None
  10. Lot & land

    1
    Zoning
    C- Commercial
  11. Listing & possession

    3
    Occupancy
    arrange
    Property style
    2-Storey
    Property class
    Duplex
  12. Room-by-room · 19 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    13 rooms
    • Living Room
      17.3 × 12.1 ft
    • Bedroom
      11.0 × 9.6 ft
    • Bathroom
      8.5 × 5.5 ft
    • Dining Room
      10.4 × 9.7 ft
    • Bathroom
      11.1 × 4.5 ft
    • Foyer
      11.7 × 5.5 ft
    • Bedroom
      10.9 × 10.4 ft
    • Living Room
      17.1 × 12.4 ft
    • Other
      9.8 × 9.7 ft
    • Kitchen
      12.7 × 10.4 ft
    • Den
      10.6 × 9.4 ft
    • Bedroom
      10.2 × 6.7 ft
    • Kitchen
      21.2 × 12.1 ft

    Second level

    6 rooms
    • Bathroom
      9.1 × 6.1 ft
    • Bedroom
      18.2 × 8.9 ft
    • Exercise Room
      12.9 × 9.6 ft
    • Bedroom
      18.2 × 9.1 ft
    • Office
      11.2 × 8.5 ft
    • Other
      18.5 × 13.4 ft
  13. Rec./Commun.Centre
  14. Waterfront
  15. Combined estimate
    $3,536
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $3,188
    /mo
    based on the purchase price of $649,000
    $129,800 cash
    $519,200 financed
    $437,303 total interest
    Monthly payment$3,188/ month
    Principal54%$519,200
    Interest46%$437,303

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  16. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  17. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  18. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  19. Public listing courtesy of EXP REALTY, BROKERAGE · displayed on Summitly per MLS® data-share rules

    14172 Road 38 is a 5-bedroom, 3-bath, 2500-3000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 14172 Road 38 built?

    The year built for 14172 Road 38 isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  21. What is the property tax for 14172 Road 38?

    The 'Property tax' tab in the History section shows the most recent annual tax for 14172 Road 38 plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 14172 Road 38?

    The affordability calculator on this page shows an estimated monthly mortgage for $649,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 14172 Road 38 been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 14172 Road 38 with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 14172 Road 38 in?

    14172 Road 38 is in Frontenac Centre, Sharbot Lake. The 'Neighbourhood' section below links to the live Sharbot Lake real estate hub with average sold price, days on market, and current inventory.

  25. Is Sharbot Lake a good place to live?

    Sharbot Lake is one of ON's actively-tracked Summitly markets. The full Sharbot Lake real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.