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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 On market 8 days

    38 Napier Crescent

    North Kawartha·North Kawartha, ON·K0L 2H0·Near Northeys Bay Rd/Cheboutequion

    • 7 beds
    North Kawartha real estate›X13156396
    • 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

    Set on a spectacular stretch of Stoney Lake shoreline with coveted western exposure and unforgettable sunsets, this exceptional waterfront compound offers a rare combination of privacy, scale, and flexibility. Encompassing just under 2 acres with approximately 410 feet of frontage across three separate lots, the property is ideally suited for multi-generational living and lakeside entertaining. The property features a 4 bedroom main cottage, a beautifully appointed three-bedroom guest cottage with 2.5 bathrooms, its own septic system and drilled well, as well as a double wet slip boathouse - creating a true family compound atmosphere rarely found in the Kawarthas. Beautifully maintained gardens and manicured grounds wind throughout the property with full irrigation system, blending naturally with mature trees, expansive green space, and thoughtfully designed outdoor areas that create an extraordinary setting from every angle. The shoreline offers extensive docking and boating access with beautiful long lake views, while the western exposure delivers sun-filled afternoons and stunning sunsets over iconic Stoney Lake. Whether enjoyed as a private family retreat or held as a long-term legacy property, the possibilities here are exceptional. A unique opportunity to own a large-scale waterfront compound in one of the Kawarthas' most sought-after lake communities.

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

    AI highlights by Zara
    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
    May 21, 2026ListedCurrentFor sale$5,400,000 —X13156396This 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

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Well
      Sewer
    Location & lifestyle

    Getting around, schools & the block

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

    📍 38 Napier Crescent
    What's nearby

    Points of interest classified by the MLS® feed.

    • Golf
    • Lake/Pond
    • Waterfront
    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
    $26,529
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $2,445
    0.54% mill rate · ON
    The market

    How this home sits in the North Kawartha market

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

    The North Kawartha market right now

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

    • Avg sold price
      $764,676
      Last 30 days
    • Median sold price
      $539,000
      Middle of the market
    • Days on market
      46 d
      Avg from list to close
    • Closed last 30d
      26
      MLS® transactions
    Full North Kawartha market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 38 Napier Crescent — 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 38 Napier Crescent 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 38 Napier Crescent listed for?

      38 Napier Crescent is listed at $5,400,000 on the MLS® (listing X13156396). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 38 Napier Crescent 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. 7 baths
  2. 5000 + sqft
  3. Detached
  4. Built 31-50
  5. .50-1.99 ac lot
  6. Asking
    $5,400,000
    $1080 / sqft · MLS® X13156396
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,315,243
    $1,210,023Confidence range$1,420,462
    Asking vs estimate
    ↑↑well-above
    +$4,084,757
    (+310.6%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 7 bedrooms (no sqft on file).

    Market analytics

    Homes like this in North Kawartha sell in about 46 days — this one has been listed 8 days.

    Avg sold price
    $764,676
    Median sold
    $539,000
    Avg days on market
    46
    Recently sold
    26
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    • Encompassing just under 2 acres with approximately 410 feet of frontage across three separate lots, the property is ideally suited for multi-generational living and lakeside entertaining.
    • The shoreline offers extensive docking and boating access with beautiful long lake views, while the western exposure delivers sun-filled afternoons and stunning sunsets over iconic Stoney Lake.
    Ask Zara a follow-up
    Septic
  8. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    2
    Parking spaces
    14
    Driveway
    Private Double
  9. Interior

    4
    Basement
    Crawl Space, Unfinished
    Family room
    Y
    Kitchens
    2
    Total rooms
    27
  10. Exterior & construction

    6
    Exterior
    Stone, Wood
    Roof
    Asphalt Shingle
    Foundation
    Block
    View
    Lake
    Waterfront
    Y
    Pool
    None
  11. Lot & land

    2
    Year built
    31-50
    Zoning
    SR-4
  12. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    2-Storey
    Property class
    Detached
  13. Room-by-room · 16 rooms

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

    Room dimensions

    Main level

    12 rooms
    • Bathroom
      4 Pc Ensuite
      8.4 × 11.0 ft
    • Office
      12.8 × 12.3 ft
    • Sunroom
      17.8 × 26.7 ft
    • Bedroom
      11.6 × 15.3 ft
    • Primary Bedroom
      Ensuite Bath
      14.9 × 24.0 ft
    • Den
      14.0 × 9.2 ft
    • Family Room
      11.6 × 14.5 ft
    • Living Room
      17.7 × 21.9 ft
    • Kitchen
      16.3 × 20.2 ft
    • Bathroom
      3 Pc Bath
      8.6 × 4.9 ft
    • Dining Room
      13.9 × 10.3 ft
    • Foyer
      13.2 × 5.8 ft

    Second level

    4 rooms
    • Bedroom
      Ensuite Bath
      11.5 × 18.5 ft
    • Bathroom
      4 Pc Ensuite
      8.6 × 5.0 ft
    • Bathroom
      3 Pc Ensuite
      10.6 × 4.9 ft
    • Bedroom
      Ensuite Bath
      18.5 × 12.4 ft
    Combined estimate
    $28,974
    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
    $26,529
    /mo
    based on the purchase price of $5,400,000
    $1,080,000 cash
    $4,320,000 financed
    $3,638,574 total interest
    Monthly payment$26,529/ month
    Principal54%$4,320,000
    Interest46%$3,638,574

    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.

  14. One team, no handoffs

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

  15. Showings on YOUR schedule

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

  16. Mortgage that closes

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

  17. Public listing courtesy of Royal LePage Frank Real Estate · displayed on Summitly per MLS® data-share rules

    38 Napier Crescent is a 7-bedroom, 7-bath, 5000 + sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  18. When was 38 Napier Crescent built?

    38 Napier Crescent was built in 31-50. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  19. What is the property tax for 38 Napier Crescent?

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

  20. How much would the monthly mortgage be on 38 Napier Crescent?

    The affordability calculator on this page shows an estimated monthly mortgage for $5,400,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  21. Has 38 Napier Crescent been sold before?

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

  22. What neighbourhood is 38 Napier Crescent in?

    38 Napier Crescent is in North Kawartha, North Kawartha. The 'Neighbourhood' section below links to the live North Kawartha real estate hub with average sold price, days on market, and current inventory.

  23. Is North Kawartha a good place to live?

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