
21 Emerald Street
Kawartha Lakes (Fenelon), ON K9V 4R6
- 4Bedrooms
- 3Bathrooms
- 6Garage
- 3500–5000Sq Ft
- $8,948Tax
- 95×200 ftLot Size
- Free EstimateSee Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 21 Emerald Street, Kawartha Lakes, Fenelon
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About 21 Emerald Street, Kawartha Lakes, Fenelon
Summarized Description
- Exceptional waterfront property on Sturgeon Lake
- Four-season sunroom with outdoor connection
- Versatile lower level with separate entrance
- Multiple outdoor decks and cantilevered dock
- Beautiful sunset views and mature lot
- Insulated double garage and detached four-car garage
- Private year-round road in quiet rural setting
Waking Up on Sturgeon Lake - Every Single Day! Set along the tranquil shores of Sturgeon Lake, this exceptional waterfront property offers a rare combination of privacy, comfort, and year-round lakeside living on a large, mature lot with expansive water views. From the moment you enter, the lake takes centre stage. Oversized windows frame uninterrupted views throughout the main living and dining areas, while the four-season sunroom provides a seamless connection to the outdoors year-round. The focal point of the living room is a beautiful wood-burning fireplace, creating the perfect cozy atmosphere for winter nights at the lake. The kitchen offers generous cabinetry and functional workspace for everyday living and entertaining. The primary suite features beautiful lakeside views and a generously sized ensuite, while the guest suite offers a large semi-ensuite. The fully finished lower level offers exceptional flexibility with a separate entrance, second kitchen, walkout living area, additional bedrooms, full bathroom, propane fireplace, and ample storage. Ideal for extended family or multigenerational living, it provides versatility rarely found in waterfront homes. Outdoor living is equally impressive with multiple decks and patios, an armour stone shoreline, natural pebbly entry, and a cantilevered dock for easy lake access. The shoreline is naturally maintained with minimal weed growth, while the home's gentle natural slope and drainage add peace of mind. Beautiful sunset views complete the setting. Additional features include an insulated attached double garage, detached four-car garage, multiple storage sheds, oil forced-air heating, owned hot water tank, UV lake-intake filtration, water softener, and 200-amp electrical service. Located on a privately maintained year-round road in a quiet rural setting.True waterfront living with space, function, and lifestyle in balance.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $8,948
- Land Transfer Tax Fee
- $16,471
- Basement Type
- Finished with Walk-Out, Full, Separate Entrance
Interior Features
- Laundry Level
- Main Level
- Interior Extras
- Auto Garage Door Remote, In-Law Capability, In-Law Suite, Primary Bedroom - Main Floor, Propane Tank, Storage, Water Heater Owned, Water Treatment
- Fireplace/Stove
- Yes
- Fireplace Features
- Propane, Wood
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Cul de Sac/Dead End, Lake Access, Level, Marina, Waterfront, Wooded/Treed
- Other Structures
- Additional Garage(s), Garden Shed, Gazebo, Shed
Building
- Building Type
- Detached
- Building Style
- Bungalow
- Approx Age
- 16-30
Construction
- Exterior Finish
- Brick
- Roof
- Shingles
- Foundation Details
- Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 95.00 ft
- Lot Depth
- 200.00 ft
- Lot Size
- 22862.52
- Lot Shape
- Irregular
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 6
- Parking Spaces
- 8
- Total Garage And Parking Spaces
- 14
Heating & Cooling
- Heat Source
- Oil
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Other
- Sewers
- Septic
- Natural Gas
- No
- Hydro
- Yes
- Cable
- No
- Telephone
- Available
- Bedrooms
- 4
- Washrooms
- 3
- Kitchens
- 2
- Family / bonus room
- Yes
Washrooms
- 4-piece, Main
- 3-piece, Main
- 4-piece, Lower
- Municipality
- Kawartha Lakes
- Neighbourhood
- Fenelon
- Main cross streets
- Emerald St. & Snug Harbour Rd.
- Zoning
- RR3
- Directions
- Turn onto Emerald St from Snug Harbour Rd.
- Waterfront
- Direct
- MLS® number
- X13196684
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-06-02
- Listed on
- 2026-05-27
- Days on market
- 6 days
- Possession type
- Flexible
- Co-op commission
- 2% +HST
- Seller
- Listed by
- ROYAL LEPAGE KAWARTHA LAKES REALTY INC.
Home Market Value
Current home valuation for 21 Emerald Street, Kawartha Lakes, Fenelon, Kawartha Lakes, ON. Listed for $999,800
HOMEH Estimate
—
Estimated Sales Range
—
HOMEH Estimate for 21 Emerald Street, Kawartha Lakes, Fenelon
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $499,800 over $500K
$74,980
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $36,993 | $27,894 | $23,795 | $0 |
=Total mortgage | $961,808 | $927,714 | $873,625 | $799,840 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $4,696monthly | $4,530monthly | $4,265monthly | $3,905monthly |
Land Transfer Tax
$16,471
$16,471
Around this home
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