186 St Joseph Rd is a 4-bedroom, 4-bathroom detached home in Kawartha Lakes, listed for $849,000. It has 3000-3500 sq ft of living space.
1The luxurious primary retreat features a five-piece ensuite and an exceptionally large walk-in closet.
2Second-floor laundry adds convenience.The unfinished high basement offers excellent potential for additional living space, an in-law suite, or future rental income.
3Step outside and enjoy serene pond views with no homes directly behind you.
Welcome to this stunning brick/stone 2-storey detached home in the highly sought-after Sugarwood Development of Lindsay, Kawartha Lakes. Situated on a premium lot backing onto a tranquil pond with no rear neighbours, this impressive home offers over 3,000 sq. ft. of beautifully designed living space, combining modern luxury with peaceful natural surroundings.The main floor features hardwood flooring throughout, a bright open-concept family room with soaring open-to-above ceilings and a gas fireplace, a separate dining area, and a modern kitchen showcasing quartz countertops and a large centre island. A spacious mudroom with ample closet space adds everyday functionality.Upstairs, discover 4 generously sized bedrooms and 4 full bathrooms, offering exceptional comfort and privacy. The luxurious primary retreat features a five-piece ensuite and an exceptionally large walk-in closet. The second bedroom includes its own three-piece ensuite, while bedrooms three and four each enjoy attached bathrooms. Second-floor laundry adds convenience.The unfinished high basement offers excellent potential for additional living space, an in-law suite, or future rental income. Step outside and enjoy serene pond views with no homes directly behind you. Conveniently located close to parks, schools, hospitals, shopping, restaurants, and recreational facilities.A rare opportunity to own a spacious, luxurious home in a beautiful family-friendly community. Don't miss it!
4 bedrooms, 4 bathrooms, about 3,000 sq ft, works out to roughly $283 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 186 St Joseph Rd
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
3000-3500 sq ftas stated on the listing
Parking
4 spacesYes garage
Basement
Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
4
Interior
Basement
Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Detached
186 St Joseph Rd Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13673614$849,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 186 St Joseph Rd Compares to the Kawartha Lakes Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$4,171
/mo
based on the purchase price of $849,000
$169,800 cash
$679,200 financed
$572,065 total interest
Principal54%$679,200
Interest46%$572,065
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Similar homes for sale nearby in Kawartha Lakes
Other 3–4 bed homes for sale in Kawartha Lakes around $849K.
Average days on market45Homes sold in about 45 days on average.
Sale-to-list ratio96.2%On average, homes sold below asking.
Active listings924Homes for sale here right now.
Median vs prior 90 days−3.1%Compared with Apr 24 – Jul 23, 2026: prices down.
Based on 524 sales from Jul 23 – Oct 21, 2026 (352 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 186 St Joseph Rd
How much is 186 St Joseph Rd listed for?
186 St Joseph Rd is listed at $849,000 (MLS® X13673614). Summitly updates the price as soon as the MLS® record changes.
Is $849,000 a good price for 186 St Joseph Rd?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Kawartha Lakes. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 186 St Joseph Rd changed?
No — 186 St Joseph Rd is still listed at its original asking price of $849,000.
How many bedrooms and bathrooms does 186 St Joseph Rd have?
186 St Joseph Rd has 4 bedrooms and 4 bathrooms, with about 3,000–3,500 square feet of living space. It is a detached home in Kawartha Lakes.
How much would the monthly mortgage be on 186 St Joseph Rd?
About $4,171 a month — principal and interest on $849,000 with 20% down ($169,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 186 St Joseph Rd compare with other homes in Kawartha Lakes?
Its asking price of $849,000 is about 40% above the median sold price in Kawartha Lakes over the last 90 days, $607,250, across 524 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 186 St Joseph Rd been sold before?
Summitly has no earlier MLS® sale or lease of 186 St Joseph Rd on record from the last two years. Older records aren't shown under TRREB rules.
Where is 186 St Joseph Rd?
186 St Joseph Rd is in Kawartha Lakes, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 186 St Joseph Rd been on the market?
69 days — 186 St Joseph Rd was listed on August 13, 2026.
What is the price per square foot of 186 St Joseph Rd?
About $243 to $283 per square foot: the asking price of $849,000 over the 3,000–3,500 sq ft the listing gives as its size range.
Does 186 St Joseph Rd have parking or a garage?
Yes — the listing gives 4 parking spaces. Garage: Yes.
Does 186 St Joseph Rd have a basement, and is it finished?
The listing describes the basement as: Unfinished.
