4 Bertie Street, Kawartha Lakes

$459,000
4 Bertie Street

$459,000

Price Change
28d
Detached2-Storey

4 Bertie Street, Kawartha Lakes

Total Monthly Obligation $2,450

Beds
2
Baths
2
Park
4
Sqft
700-1100
DOM
28d
Score
22
Yield
5.6%
Cash on Cash
-0.4%
Cap Rate
4.5%
5Y IRR
15.2%
10Y IRR
14.3%
Property Type-Detached
MLS® Number-X13828450
Beds-2
Bathrooms-2
Size-700-1100 sqft
Lot Size-64.62 × 166.52 ft
Listed on site-Sep 25, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$2,684 (2025)
Parking-5 - Detached
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Century 21 United Realty Inc.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Stone
Sewer-Sewer
Possession-Immediate
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

Welcome to 4 Bertie Street, a charming move-in-ready 2-storey home nestled on a quiet street in the heart of Lindsay! Perfect for first-time buyers, downsizers, or investors, this inviting home offers a bright and functional layout designed for comfortable everyday living. Step inside to a bright living room that flows seamlessly into the spacious kitchen, featuring ample cabinetry and storage. The adjoining dining area offers a walkout to the expansive rear deck with a covered gazebo, creating the perfect setting for summer barbecues, morning coffee, or entertaining family and friends while overlooking the large, level backyard. A spacious front deck provides another welcoming outdoor space to relax and enjoy the neighbourhood. The main floor also features the convenience of a laundry room and a 2-piece bathroom. Upstairs, you'll find two generously sized bedrooms and a well-appointed 4-piece bathroom. This home has seen numerous recent improvements, offering peace of mind for years to come. Over the past 2-3 years, updates include a new front screen door, garage roof, new soffit and fascia on both the house and garage, a new front deck, added attic insulation, backyard retaining wall, backyard shed, and a dedicated garbage storage shed. House shingles were replaced in 2021, and almost all appliances have been updated within the last three years, including the washer and dryer. The detached garage provides excellent storage, workshop potential, or covered parking. Ideally located close to parks, schools, shopping, and all the amenities Lindsay has to offer, this well-maintained property combines comfort, functionality, and exceptional value. Come see everything 4 Bertie Street has to offer and discover why this could be the perfect place to call home!

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$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$367,200
Land Transfer Taxes$5,655
Legal Fees (Est.)
$
Total cash required for closing$98,955

Total Monthly Obligation

$2,450/mo
Mortgage $1,851
Monthly Loss $1,963
Principal$487
Interest$1,364
Property Tax$224
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.4%22
Cash-on-Cash
-6.5%2
5-Year IRR
10.6%39
10-Year IRR
11.1%
Returns Index
20.8/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$25,560/yr
NOI
$15,820/yr
Net Cash Flow
-$533/mo
Cash Margin
-25.0%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7110
LTV Ratio
80.0%18
Vacancy Buffer
3.9 mo67
Risk Index
32.0/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 4 Bertie Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

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Data last updated within the past 24 hours.