Welcome to the Talbot Lake Model, Elevation B, located in Lindsay's desirable Sugarwood community. This beautifully upgraded detached home blends modern comfort, practical design, and timeless curb appeal. The exterior showcases an elegant brick finish with stone veneer accents, tall main-floor windows, an 8-foot insulated front door, low-maintenance soffits and fascia, and a spacious double-car garage.Inside, the open-concept main floor is bright and inviting, featuring a generous family room, dining area, and a stylish kitchen with upgraded stone countertops, undermount sinks, ample cabinetry, and a gas range. Quality finishes continue throughout, including 3 1/2-inch engineered oak flooring, a hardwood staircase with straight oak pickets, and numerous builder upgrades.The upper level offers three spacious bedrooms, including a private primary retreat with two walk-in closets and a spa-inspired ensuite with glass shower. The oversized laundry room provides excellent flexibility and can also function as a home office. A full basement adds valuable potential for future living space, recreation, storage, or customization. Proudly owner-occupied and well maintained, this home reflects true pride of ownership. Located minutes from Lindsay Square Mall, grocery stores, restaurants, schools, healthcare, parks, trails, and green spaces, this is an excellent opportunity to own a stylish family home in one of Lindsay's growing and sought-after communities.
3 bedrooms, 2 bathrooms, about 1,500 sq ft, works out to roughly $613 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 197 St Joseph Rd
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
4 spacesYes garage
Basement
Full, Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
4
Interior
Basement
Full · Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Detached
197 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® X13419016$919,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 197 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.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
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
$4,515
/mo
based on the purchase price of $919,000
$183,800 cash
$735,200 financed
$619,231 total interest
Principal54%$735,200
Interest46%$619,231
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.
For homeowners nearby
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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 2–3 bed homes for sale in Kawartha Lakes around $919K.
Average days on market44Homes sold in about 44 days on average.
Sale-to-list ratio96.2%On average, homes sold below asking.
Active listings933Homes for sale here right now.
Median vs prior 90 days−3.0%Compared with Apr 26 – Jul 25, 2026: prices down.
Based on 513 sales from Jul 25 – Oct 23, 2026 (356 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 197 St Joseph Rd
How much is 197 St Joseph Rd listed for?
197 St Joseph Rd is listed at $919,000 (MLS® X13419016). Summitly updates the price as soon as the MLS® record changes.
Is $919,000 a good price for 197 St Joseph Rd?
Summitly rates it Above Market: the asking price is 5% to 15% above 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 197 St Joseph Rd changed?
No — 197 St Joseph Rd is still listed at its original asking price of $919,000.
How many bedrooms and bathrooms does 197 St Joseph Rd have?
197 St Joseph Rd has 3 bedrooms and 2 bathrooms, with about 1,500–2,000 square feet of living space. It is a detached home in Kawartha Lakes.
How much would the monthly mortgage be on 197 St Joseph Rd?
About $4,515 a month — principal and interest on $919,000 with 20% down ($183,800), 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 197 St Joseph Rd compare with other homes in Kawartha Lakes?
Its asking price of $919,000 is about 51% above the median sold price in Kawartha Lakes over the last 90 days, $607,500, across 513 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 197 St Joseph Rd been sold before?
Summitly has no earlier MLS® sale or lease of 197 St Joseph Rd on record from the last two years. Older records aren't shown under TRREB rules.
Where is 197 St Joseph Rd?
197 St Joseph Rd is in Kawartha Lakes, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 197 St Joseph Rd been on the market?
137 days — 197 St Joseph Rd was listed on June 8, 2026.
What is the price per square foot of 197 St Joseph Rd?
About $460 to $613 per square foot: the asking price of $919,000 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 197 St Joseph Rd have parking or a garage?
Yes — the listing gives 4 parking spaces. Garage: Yes.
Does 197 St Joseph Rd have a basement, and is it finished?
The listing describes the basement as: Full, Unfinished.
