16 Francis Street

Lindsay, Kawartha Lakes, K9V 3R6

$599,900

4 bedrooms
2 bathrooms
4 parking
1500-2000 sq ft

Listed today · MLS® X14103880

About this home

Timeless character meets modern comfort in this 1890 blonde brick century home, just steps to downtown Lindsay, the farmers' market, and great schools. Set on a FULLY FENCED DOUBLE LOT, this charming home features soaring 9-foot ceilings, stained glass accents, rich wood trim, and original HARDWOOD FLOORS. Thoughtful updates include a modernized kitchen, a MAIN-FLOOR THREE-PIECE BATHROOM with heated floors and laundry, and an updated second-level bathroom with a walk-in shower. The second level offers four generously sized bedrooms, all with closets, plus a versatile fifth bonus room, ideal for a nursery, home office, or walk-in closet. The PARTIALLY FINISHED THIRD LEVEL loft provides even more flexible living space, perfect for a studio or home office, with a BATHROOM ROUGH IN offering exciting potential for a future primary retreat. Outside, the expansive back deck is fully screened and covered, creating an inviting and relaxing outdoor living area, while the generous yard offers plenty of room to garden, play, and enjoy the outdoors. With versatile living spaces and room to spread out both inside and out, this is a home where your family can grow, in every way, for years to come.

Details

Type: Detached
Style: 2 1/2 Storey
Age: 100+ years
Size: 1500-2000 sq ft
Lot: 73 × 116.49 ft
Basement: Unfinished
Garage: None
Kitchens: 1
Property tax: $3,919 (2026)
Neighbourhood: Lindsay
Municipality: Kawartha Lakes
Price per sq ft: $343 (10% below detached houses in Lindsay, $383)

Interior

Bedrooms: 4 above ground
Bathrooms: 1 × 4-piece (ground), 1 × 3-piece (second)
Rooms: 7 above ground
Family room or den: Yes
Fireplace: Fireplace Insert, Natural Gas
Features: Carpet Free

Heating, cooling and services

Heating: Heat Pump, Gas
Air conditioning: Wall Unit(s)
Water and sewer: Sewer

Building and exterior

Style: 2 1/2 Storey
Exterior: Brick
Roof: Asphalt Shingle
Foundation: Stone
Age: 100+
Faces: North
Outdoor: Deck, Porch Enclosed, Fence - Full, Gazebo, Garden Shed

Parking

Total parking: 4
Driveway and parking: Private

Lot

Size: 73 × 116.49 ft (rectangular)
Acreage: < .50

Possession: 14-30 days
Nearby: Hospital, Library, Park, Rec./Commun.Centre
Cross street: Francis St & William St N

Rooms

Room	Level	Size
Living Room	Main	5.56 × 4.95 m (18'3" × 16'3")
Dining Room	Main	5.4 × 2.74 m (17'9" × 9')
Kitchen	Main	4.8 × 3.48 m (15'9" × 11'5")
Bathroom	Main	3.07 × 2.24 m (10'1" × 7'4")
Primary Bedroom	Second	5.51 × 2.57 m (18'1" × 8'5")
Bedroom	Second	4.52 × 2.92 m (14'10" × 9'7")
Bedroom	Second	3.84 × 3.3 m (12'7" × 10'10")
Bedroom	Second	3.84 × 3.43 m (12'7" × 11'3")
Bathroom	Second	2.44 × 1.98 m (8' × 6'6")

History of this address

3 earlier listings at this address, with sold and leased prices. Create a free account or sign in to see them.

Location

Location is approximate. See nearby homes on the map

Recent sales nearby

See what similar homes within 1 km sold for in the last year. Create a free account or sign in to see them.

The neighbourhood

Getting around Walkable

No subway, LRT or GO station within a short trip.

Within a 10-minute walk: 1 grocery store, 18 cafés and restaurants, 9 parks, 4 pharmacies. Nearest grocery: Valu-mart (650 m). Nearest park: McDonnell Park East (450 m).

Schools nearby

Elementary

Alexandra Public School
EQAO: Gr 6 reading 76%, math 71%6 min walk
Queen Victoria Public School
EQAO: Gr 6 reading 100%, math 50%11 min walk
King Albert Public School
EQAO: Gr 6 reading 77%, math 31%14 min walk
St. Mary Catholic Elementary School Catholic
EQAO: Gr 6 reading 73%, math 9%16 min walk

Secondary

Central Senior School12 min walk
Lindsay Collegiate and Vocational Institute
EQAO: Gr 9 math 55%, literacy test 77%13 min walk
I. E. Weldon Secondary School
EQAO: Gr 9 math 43%, literacy test 82%2.1 km

EQAO: share of students meeting the provincial standard (2024–25). Ontario average: Gr 6 reading 86%, math 51%; Gr 9 math 55%; literacy test 83%.

Closest schools, not school zones. Check which school serves this address with the school board before relying on it.

Who lives here postal area K9V

Owners / renters: 71% / 29%
Median household income: $72,500
Average age: 47
Children under 15: 14%
Homes: 68% detached, 6% high-rise
Commute by transit: 1%
Population: 29,369

Languages spoken most at home besides English: German 0.2%, Pennsylvania German 0.2%, Dutch 0.1%, Punjabi (Panjabi) 0.1%.

Safety

Crime Severity Index for Kawartha Lakes police: 85 vs 57 for Ontario (2025).

Police-reported figures for the whole police service area, not this street. Rates use the area’s resident population.

Distances are approximate. Places © OpenStreetMap contributors. Neighbourhood figures: Statistics Canada, 2021 Census. School results: EQAO via Ontario Data Catalogue (Open Government Licence – Ontario). Crime Severity Index: Statistics Canada.

Living here

Commute

Noise Nothing major nearby

No highway within 500 m, rail line within 300 m, or airport flight path nearby.

Distances from the map, not noise measurements. Visit at rush hour to judge for yourself.

Internet High-speed

50/10 Mbps or faster available here by cable, fibre or DSL (the federal high-speed target).

From the federal broadband map. Check exact speeds and providers for the address.

Roads, rail, airports and planned stations © OpenStreetMap contributors. Internet: Innovation, Science and Economic Development Canada, National Broadband Data.

Listed by Royal LePage Frank Real Estate.

Listing information provided by PropTx Innovations Inc. and TRREB; deemed reliable but not guaranteed accurate by PropTx.

Estimated monthly cost

Mortgage: $2,627
Property tax: $327
Total: $2,954

$119,980 down, 25-year amortization at 4.39%.

Cash needed to buy

Down payment: $119,980
Land transfer tax: $8,473
Legal and other costs: ~$2,500
Total: $130,953

First-time buyers can get up to $8,475 of land transfer tax back. All closing costs

Adjust the numbers

Rental potential

$2,999/month

Typical asking rent for 4+ bedroom homes like this within 2 km (7 for rent now; most $2,950–$3,000).

As a rental, with 20% down

Rent: $2,999
Mortgage: −$2,627
Property tax: −$327
Insurance, repairs, vacancy: −$390
Cash flow: −$344/month

Cap rate 4.6% · gross yield 6.0%. Rentals need 20% down. Rough figures before income tax; ask us for a full analysis.

Rent control: Depends on when the unit was first lived in: before Nov. 15, 2018 it’s covered by Ontario’s yearly limit (2.1% in 2026); after, there’s no cap.

See rentals nearby