DetachedOn market 55 days

45 Oak St, Kawartha Lakes

Name: 45 Oak Street
SKU: X13740490
Price: 1195000 CAD
Availability: InStock

Kawartha Lakes, ON · · MLS® X13740490Updated September 16, 2026

$1,195,000Est. $5,871/mo mortgage

Bedrooms: 3
Bathrooms: 2
Living space: 2500–3000sq ft
Parking spaces: 4

Type Detached
Lot 100 × 90.42
Garage Yes
Basement Unfinished

What you should know

45 Oak St is a 3-bedroom, 2-bathroom detached home in Kawartha Lakes, listed for $1,195,000. It has 2500-3000 sq ft of living space.

Thoughtfully updated throughout, this stunning property offers the perfect blend of modern comfort, functional space, and scenic charm.
Recent renovations include fresh designer paint, premium flooring, and a beautifully reimagined kitchen featuring quartz countertops and an oversized eat-in island perfect for gathering with family and friends.
Step outside to your fully fenced backyard retreat and take in breathtaking panoramic views of Cameron Lake while enjoying the warm fall days ahead.

Ask Zara:

3 Bed, 2 Bath Detached Home in Kawartha Lakes

About 45 Oak Street

Fall has arrived in beautiful Fenelon Falls, and this bright, inviting 3-bedroom, 3-bathroom home is ready to impress! Thoughtfully updated throughout, this stunning property offers the perfect blend of modern comfort, functional space, and scenic charm. Recent renovations include fresh designer paint, premium flooring, and a beautifully reimagined kitchen featuring quartz countertops and an oversized eat-in island perfect for gathering with family and friends. Designed for everyday living and entertaining alike, this spacious home offers room for the whole family, including flexible space for working from home. Step outside to your fully fenced backyard retreat and take in breathtaking panoramic views of Cameron Lake while enjoying the warm fall days ahead. Professionally designed armour stone landscaping adds exceptional curb appeal and completes the outdoor setting beautifully. A detached 2-car garage and private 2-car driveway provide plenty of parking and storage. Whether you're searching for a year-round family home or a place to enjoy the Kawartha lifestyle, this property delivers incredible indoor-outdoor living with stunning lake views in one of the area's most desirable communities.

3 bedrooms, 2 bathrooms, about 2,500 sq ft, works out to roughly $478 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 45 Oak St

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 2500-3000 sq ftas stated on the listing
Lot size: 100 x 90.42
Parking: 4 spacesYes garage
Basement: Unfinished

Features & systems

Parking & garage

Garage: Yes
Parking spaces: 4

Interior

Basement: Unfinished

Lot & land

Lot dimensions: 100 x 90.42
Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Detached

45 Oak St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Aug 29, 2026For saleListedThis listingMLS® X13740490$1,195,000

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 45 Oak St Compares to the Kawartha Lakes Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Excellent Deal· based on 816 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Kawartha Lakes market, last 90 days

Median sold price: $607,500
Average sold price: $671,163
Average days on market: 44
Homes sold: 513

Closed sales on the TRREB MLS®.

Full Kawartha Lakes market report

Recently sold nearby in Kawartha Lakes

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

See what these homes actually sold for

Free with a Summitly account. Sign in once and sold prices unlock across the site.

Home	Sold price	$ / sqft	% of asking	Sold
This home45 Oak Street 3 bd · 2 ba · 2,500 sqft	$1,195,000asking	$478	—	—
72 Harmonious Drive 2 bd · 3 ba · 1,500 sqft
23 Wispi Shore Road 3 bd · 2 ba · 1,100 sqft
19 Hennessey Crescent 5 bd · 5 ba · 2,500 sqft
270 William Street 3 bd · 1 ba · 1,500 sqft
40 Greenwood Crescent 2 bd · 2 ba · 700 sqft
38 Dewey's Island 3 bd · 1 ba · 1,500 sqft

72 Harmonious Drive
2 bd · 3 ba · 1,500 sqft
23 Wispi Shore Road
3 bd · 2 ba · 1,100 sqft
19 Hennessey Crescent
5 bd · 5 ba · 2,500 sqft
270 William Street
3 bd · 1 ba · 1,500 sqft
40 Greenwood Crescent
2 bd · 2 ba · 700 sqft
38 Dewey's Island
3 bd · 1 ba · 1,500 sqft

Living in Kawartha Lakes: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

Loading schools, parks, groceries and more nearby…

How long is your commute?

From 45 Oak St. Typical times without traffic delays; transit times aren't available yet.

Costs, Mortgage & Rental Return for 45 Oak St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $5,871; 20% down · 25 years · 5.5% assumed
Property tax: $657; 0.66% mill rate · ON
Total per month: $6,528; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Mortgage payments

Mortgage financingPowered by

Lock in a low rate before you offer

Compare today's rates across lenders, lock yours in, and get pre-qualified in about 2 minutes.

Lock in my rate

Call now

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

Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$5,871

/mo

based on the purchase price of $1,195,000

Down payment20%

$239,000 cash

Amortization25 yr

$956,000 financed

Rate5.50%

$805,203 total interest

Principal54%$956,000

Interest46%$805,203

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

Want rate-drop alerts and a saved shortlist?

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

Own a home on Oak Street? See what yours is worth

Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.

Free · No obligation · Backed by Coldwell Banker

Book a tour of 45 Oak St with a licensed buyer's agent

Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.

Zara, any time

Zara · AI virtual agent

Ask about 45 Oak St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.

A licensed local agent

Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.

Find an agent (905) 553-8500 (main line)

Listing brokerage: ROYAL LEPAGE KAWARTHA LAKES REALTY INC., BrokerageMLS® X13740490 · Listing data last updated September 16, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

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.

For sale· listed Aug 28· $478/sq ft

Estimated monthly mortgage$5,871/moMortgage only · 20% down · 5.5% assumed

Adjust

Talk to a Real Estate Advisor · (905) 553-8500(main line)

Ask a question about this home

Get pre-approved for this home Run your scenario →

Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.

Price alert

We'll email you if this price drops.

5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

Similar homes for sale nearby in Kawartha Lakes

Other 2–6 bed homes for sale in Kawartha Lakes around $1.2M.

See all 3-bedroom homes for sale in Kawartha Lakes

Homes for sale in Kawartha Lakes

Every active Kawartha Lakes MLS® listing, updated all day.

Kawartha Lakes real estate