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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage — RECO Registration #6018570.

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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 125 daysPrice drop · $24,900 off (-2.8%)

    35 Cedar Bay Road

    Carden·Kawartha Lakes, ON·L0K 1B0·Near Cedar Bay / Rohallion

    • 3 beds
    Kawartha Lakes real estate›X12777118
    • 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

    Tucked away on a quiet street and right on the school bus route, this warm and welcoming 3+1 bedroom, 3-bath waterfront home offers everything you need for comfortable, year-round lakeside living with 103 feet of water frontage and a beautiful dock extending onto Canal lake, part of the renowned Trent-Severn Waterway.Inside you will find a bright, open-concept layout, freshly painted throughout. The main floor includes three generous bedrooms, a large dining room, spacious living room, main floor laundry, and a primary suite with a 4-piece ensuite and a walkout to the back deck the perfect spot to catch gorgeous sunrises.The kitchen is updated with sleek Quartz counters (2021) and top-of-the-line Samsung appliances, including a smart fridge (2022) .Downstairs, the newly renovated basement (2025) offers plenty of extra living space, featuring a 4th bedroom, dedicated office, home gym, and a large Family/ Rec room with a cozy wood-burning stove.Outside, theres room for everyone with a driveway that fits 8-10 cars, plus an attached 2-car garage converted into a comfortable bonus space with new flooring and a heat pump. You will also find a detached shop for extra storage or a workshop.Additional highlights include a Generac generator(2022) for peace of mind this home is ready for whatever life brings.Whether you're looking for a full-time residence or a weekend retreat, this property has the space, the views, and all the extras to make every day feel like a getaway.

    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
    Jul 22, 2026Price reducedCurrentReduced$875,000−$24,900 (2.8%)X12777118This page
    Jul 21, 2026Previously listedNew$875,000 —X13588428View
    Feb 10, 2026ListedCurrentFor sale$899,900 —X12777118This page
    Aug 5, 2025Previously listedTer$929,000 —X12326307View
    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
      Forced Air
      Air conditioning
      Central Air
      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.

    📍 35 Cedar Bay Road
    What's nearby

    Points of interest classified by the MLS® feed.

    • Beach
    • Lake Access
    • River/Stream
    • School Bus Route
    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
    $4,299
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $454
    0.62% mill rate · ON
    The market

    How this home sits in the Kawartha Lakes market

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

    The Kawartha Lakes market right now

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

    • Avg sold price
      $690,522
      Last 30 days
    • Median sold price
      $627,450
      Middle of the market
    • Days on market
      39 d
      Avg from list to close
    • Closed last 30d
      386
      MLS® transactions
    Full Kawartha Lakes market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 35 Cedar Bay Road — 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 35 Cedar Bay Road 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 35 Cedar Bay Road listed for?

      35 Cedar Bay Road is listed at $875,000 on the MLS® (listing X12777118). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 35 Cedar Bay Road 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. 1500-2000 sqft
  3. Detached
  4. Built 16-30
  5. .50-1.99 ac lot
  6. Asking
    $875,000
    $0 / sqft · MLS® X12777118
    Chat Zara
  7. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $690,522
    $635,280Confidence range$745,764
    Asking vs estimate
    ↑↑well-above
    +$184,478
    (+26.7%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Kawartha Lakes sell in about 39 days — this one has been listed 125 days.

    Avg sold price
    $690,522
    Median sold
    $627,450
    Avg days on market
    39
    Recently sold
    386
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara

    Roomy 3-bedroom layout — comfortable for a family or work-from-home pair, 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.

    Ask Zara a follow-up
    Well
    Sewer
    Septic
  8. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    4
    Parking spaces
    12
    Driveway
    Private Double
  9. Interior

    5
    Basement
    Finished
    Family room
    Y
    Kitchens
    1
    Total rooms
    10
    Laundry level
    Main Level
  10. Exterior & construction

    6
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Concrete Block
    View
    Bay, Trees/Woods, Lake
    Waterfront
    Y
    Pool
    None
  11. Lot & land

    2
    Year built
    16-30
    Zoning
    RR2
  12. Listing & possession

    3
    Possession
    2026-04-01T00:00:00.000-00:00
    Property style
    Bungalow
    Property class
    Detached
  13. Room-by-room · 10 rooms

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

    Room dimensions

    Main level

    6 rooms
    • Kitchen
      hardwood floor · stainless steel appl · open concept
      18.8 × 15.0 ft
    • Bedroom 3
      Closet
      11.7 × 7.4 ft
    • Primary Bedroom
      4 pc ensuite · walk-out
      11.5 × 11.0 ft
    • Living Room
      hardwood floor · fireplace · walk-out
      24.7 × 13.7 ft
    • Bedroom 2
      Closet
      12.2 × 8.5 ft
    • Dining Room
      hardwood floor · fireplace
      12.8 × 19.0 ft

    Basement level

    4 rooms
    • Office
      Vinyl Floor
      10.8 × 7.0 ft
    • Bedroom 4
      vinyl floor · closet
      11.5 × 10.6 ft
    • Family Room
      vinyl floor · fireplace
      33.1 × 22.0 ft
    • Recreation
      vinyl floor · walk-in closet(s) · overlooks living
      13.3 × 10.6 ft
  14. Waterfront
  15. Combined estimate
    $4,753
    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
    $4,299
    /mo
    based on the purchase price of $875,000
    $175,000 cash
    $700,000 financed
    $589,584 total interest
    Monthly payment$4,299/ month
    Principal54%$700,000
    Interest46%$589,584

    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.

    Comparable detacheds that just sold in Kawartha Lakes

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 14 Laurent Boulevard
      Sold
      Sign in for price
      14 Laurent Boulevard
      Detached
    • 48 Stanley Drive
      Sold
      Sign in for price
      48 Stanley Drive
      Detached
    • 470 Indian Point Road
      Sold
      Sign in for price
      470 Indian Point Road
      Detached
    • 121 Durham Street
      Sold
      Sign in for price
      121 Durham Street
      Detached
    • 72 Cook Street
      Sold
      Sign in for price
      72 Cook Street
      Detached
    • 38 Trent River Road
      Sold
      Sign in for price
      38 Trent River Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    35 Cedar Bay RoadThis home3 / 315,002,000$875,000ask———
    14 Laurent Boulevard3 / 31,100—
    48 Stanley Drive3 / 31,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Kawartha Lakes

    Active listings within ±20% of this asking price.

    • 201 Ski Hill Road
      $969,000
      201 Ski Hill Road
      Detached 3 3
    • 16 Eakins Crescent
      $774,900
      16 Eakins Crescent
      Detached 3 2
    • 87 Navigators Trail
      $779,000
      87 Navigators Trail
      Detached 2 3
    • 814 Frank Hill Road
      $749,900
      814 Frank Hill Road
      Detached 2 2
    • 35 Cedar Bay Road
      $875,000
      35 Cedar Bay Road
      Detached 3 3
    • 1007 Moor Road
      $975,000
      1007 Moor Road
      Detached 3 1
    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 RE/MAX RIGHT MOVE · displayed on Summitly per MLS® data-share rules

    35 Cedar Bay Road is a 3-bedroom, 3-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  20. When was 35 Cedar Bay Road built?

    35 Cedar Bay Road was built in 16-30. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  21. What is the property tax for 35 Cedar Bay Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 35 Cedar Bay Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  22. How much would the monthly mortgage be on 35 Cedar Bay Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $875,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  23. Has 35 Cedar Bay Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 35 Cedar Bay Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  24. What neighbourhood is 35 Cedar Bay Road in?

    35 Cedar Bay Road is in Carden, Kawartha Lakes. The 'Neighbourhood' section below links to the live Kawartha Lakes real estate hub with average sold price, days on market, and current inventory.

  25. Is Kawartha Lakes a good place to live?

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

  26. 470 Indian Point Road
    3 / 2
    2,000
    —
    121 Durham Street3 / 31,100—
    72 Cook Street2 / 3700—
    38 Trent River Road3 / 21,100—