$460,000
Est. payment $2,037/moCalculate yours
99 Durham Street W, Kawartha Lakes, ON K9V 2P8
Lindsay, Kawartha Lakes, ON K9V 2P8
- 4 Beds
- 2 Baths
- 1,100 Sq Ft
Listing courtesy of Birdhouse Realty Inc. MLS® X13875370
About this home
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.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 1,100 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- None
- Exterior
- Brick
- Foundation
- Brick
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 31.57 x 100.67 Feet
- Parking
- None garage · 4 total
- Zoning
- R3
Financial
- Property Taxes
- $2,640 (2025)
Location
- Neighbourhood
- Lindsay
- Cross Street
- Durham Street West & Albert Street South
- Direction Faces
- North
Listing
- MLS® Number
- X13875370
- Days on Market
- 10
- Listed On
- 2026-10-08
- Possession
- Flexible
- Listed By
- Birdhouse Realty Inc.
Rooms
Features
Interior
- Primary Bedroom - Main Floor
- Separate Heating Controls
Property
- Hospital
- Library
- Public Transit
- Rec./Commun.Centre
- School
Pool
- None
- Included
- Main Floor: stove, fridge, washer, dryer. 2nd Floor: stove, fridge, washer, dryer.
- Excluded
- All tenants personal belongings.
- Rental items
- Hot water tank (x2)
Mortgage calculator
Estimated mortgage payment
$2,037 per month
- Principal and interest
- $2,037
- Property tax
- $220
- Condo fees
- $0
- Estimated monthly cost
- $2,257
Your mortgage
- Mortgage amount
- $368,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $243,034
Cash to close
- Down payment
- $92,000
- Land transfer tax
- $5,675
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $97,675
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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