99 Durham Street W, Kawartha Lakes

$460,000
99 Durham Street W

$460,000

New
15d
Detached2-Storey

99 Durham Street W, Kawartha Lakes

Total Monthly Obligation $2,451

HausQ Valuation Report
Beds
4
Baths
2
Park
4
Sqft
1100-1500
DOM
15d
Score
23
Yield
5.9%
Cash on Cash
0.9%
Cap Rate
4.8%
5Y IRR
16.3%
10Y IRR
15.2%
Property Type-Detached
MLS® Number-X13875370
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-31.57 × 100.67 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$2,640 (2025)
Parking-4 - None
Basement-Unfinished
Heating-Forced Air (Gas)
Brokerage-Birdhouse Realty Inc.
Cooling-None
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Brick
Sewer-Sewer
Possession-Flexible
Neighbourhood-Lindsay
Title-Residential Freehold

No agent assigned

Welcome to 99 Durham Street! This legal non-conforming duplex offers a fantastic opportunity for buyers looking to make home ownership more affordable by living in one unit while generating rental income from the other. Centrally located and offering two self-contained units, this property provides flexibility for both owner-occupiers and investors.The main level features a comfortable two-bedroom layout with a bright living area, functional kitchen, in-suite laundry and its own dedicated driveway. Upstairs, the refreshed two-bedroom unit offers an updated kitchen and bathroom, generous living space and separate parking.Each unit operates independently with its own hydro meter and hot water tank, helping keep utilities simple and separate. With rental income already in place, a buyer could occupy one unit and use the income from the other to help offset monthly carrying costs and mortgage payments.Conveniently located close to downtown, the college, recreation centre, shopping and everyday amenities, 99 Durham Street is a versatile property with plenty of possibilities. Live in one unit and rent the other, or add a solid two-unit property to your investment portfolio.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$368,000
Land Transfer Taxes$5,675
Legal Fees (Est.)
$
Total cash required for closing$99,175

Total Monthly Obligation

$2,451/mo
Mortgage $1,856
Monthly Loss $1,962
Principal$488
Interest$1,367
Property Tax$220
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.7%24
Cash-on-Cash
-5.2%2
5-Year IRR
11.6%47
10-Year IRR
11.8%
Returns Index
24.4/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$26,928/yr
NOI
$17,095/yr
Net Cash Flow
-$431/mo
Cash Margin
-19.2%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7713
LTV Ratio
80.0%18
Vacancy Buffer
3.9 mo67
Risk Index
32.7/ 100

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

Comparables

Properties near 99 Durham Street W

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.