4 Flora Street, Kawartha Lakes

$829,900
4 Flora Street

$829,900

New
15d
Detached2-Storey

4 Flora Street, Kawartha Lakes

Total Monthly Obligation $4,155

Beds
4
Baths
3
Park
4
Sqft
2500-3000
DOM
15d
Score
17
Yield
4.4%
Cash on Cash
-5.2%
Cap Rate
3.5%
5Y IRR
11.4%
10Y IRR
11.3%
Property Type-Detached
MLS® Number-X13877258
Beds-4
Bathrooms-3
Size-2500-3000 sqft
Lot Size-126.23 × 135.79 ft
Listed on site-Oct 8, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,187.51 (2026)
Parking-6 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-EXP REALTY
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-Inground
Facing-North
Exterior-Wood
Roof-Asphalt Shingle
Foundation-Other
Sewer-Septic
Possession-flexible
Neighbourhood-Oakwood
Title-Residential Freehold

No agent assigned

Welcome to this exceptional Victorian-inspired residence, where timeless architecture, impressive scale, and refined comfort come together in the charming village of Oakwood. Offering over 3,600 sq. ft. of beautifully finished living space, this distinguished home delivers an exceptional lifestyle for those who appreciate elegant design, generous proportions, and effortless entertaining. A classic covered front porch and expansive front and rear verandahs create a warm welcome, while sun-filled principal rooms, rich hardwood flooring, and a thoughtfully designed layout provide comfort and sophistication throughout. The spacious kitchen features abundant cabinetry, expansive work surfaces, and a generous breakfast bar overlooking the dining room. The adjoining family room is truly spectacular, boasting remarkable proportions and a dedicated piano alcove that enhances its elegance and versatility. The upper level is highlighted by an impressive primary retreat with a comfortable lounge area, a beautifully renovated spa-inspired ensuite with an oversized walk-in shower, and a spacious walk-in closet. Additional bedrooms are generously sized, while a stair lift offers convenient access to the second floor. The professionally finished lower level is designed for entertaining, featuring a custom oak bar, games area, expansive recreation room, guest bedroom, and abundant storage. Set on a magnificent 131 x 132-foot lot, the private, fully fenced backyard is a resort-inspired retreat with a beautiful in-ground swimming pool and inviting lounge areas, perfect for summer entertaining or quiet relaxation. An oversized attached two-car garage with additional storage, exceptional curb appeal, and a location just minutes from Lindsay and only an hour to the GTA complete this remarkable offering. A rare opportunity to enjoy timeless character, exceptional space, and resort-style living in one of Kawartha Lakes' most desirable communities.

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

Closing Costs

Mortgage Amount
$663,920
Land Transfer Taxes$13,073
Legal Fees (Est.)
$
Total cash required for closing$180,553

Total Monthly Obligation

$4,155/mo
Mortgage $3,348
Monthly Loss $3,274
Principal$881
Interest$2,467
Property Tax$432
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
2.8%17
Cash-on-Cash
-9.6%1
5-Year IRR
8.1%24
10-Year IRR
9.1%
Returns Index
13.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
17/ 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
$36,456/yr
NOI
$23,123/yr
Net Cash Flow
-$1,421/mo
Cash Margin
-46.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.586
LTV Ratio
80.0%18
Vacancy Buffer
2.3 mo37
Risk Index
20.4/ 100

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

Comparables

Properties near 4 Flora 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.