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197 St Joseph Road

Lindsay, Kawartha Lakes

$919,000

Detached|2-Storey
3 | 3 | 4
About this home

Welcome to the Talbot Lake Model, Elevation B, located in Lindsay's desirable Sugarwood community. This beautifully upgraded detached home blends modern comfort, practical design, and timeless curb appeal. The exterior showcases an elegant brick finish with stone veneer accents, tall main-floor windows, an 8-foot insulated front door, low-maintenance soffits and fascia, and a spacious double-car garage.Inside, the open-concept main floor is bright and inviting, featuring a generous family room, dining area, and a stylish kitchen with upgraded stone countertops, undermount sinks, ample cabinetry, and a gas range. Quality finishes continue throughout, including 3 1/2-inch engineered oak flooring, a hardwood staircase with straight oak pickets, and numerous builder upgrades.The upper level offers three spacious bedrooms, including a private primary retreat with two walk-in closets and a spa-inspired ensuite with glass shower. The oversized laundry room provides excellent flexibility and can also function as a home office. A full basement adds valuable potential for future living space, recreation, storage, or customization. Proudly owner-occupied and well maintained, this home reflects true pride of ownership. Located minutes from Lindsay Square Mall, grocery stores, restaurants, schools, healthcare, parks, trails, and green spaces, this is an excellent opportunity to own a stylish family home in one of Lindsay's growing and sought-after communities.

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BrokerHub Inc.
(647) 254-1864
TypeDetached
Style2-Storey
Approx. Age0-5
Size1500-2000 sq. ft.
Property Tax$5,027
Lot Size47.7 ft x 100.27 ft
mls© NumberX13419016
Listed ByCENTURY 21 PERCY FULTON LTD.

Listing History

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  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$4,704
Property tax
$419
Heat allowance
$150
Housing costs
$5,273 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $183,800
25-yr amortization

Income needed

$162,000

gross annual household income

Payment at 4%
$3,867 / mo
Cash down
$183,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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