For Sale
$549,000Somerville, Kawartha Lakes3 bd 1 ba
$549,000 asking. 3 bed, 1 bath, 900 square feet, Detached. 92 Shadow Lake Rd 28 Road, Kawartha Lakes, ON. For Sale. 0 days on site.Listed by KELLER WILLIAMS EDGE REALTY.
Somerville, Kawartha Lakes, ON K0M 1C0
From PropTx
$549,000
As listed by the seller and their brokerage. It is a request, not a valuation, and nothing tests it until an offer arrives.
From MyNest360
The tools we build on top of the listing, each figure sourced and none of it PropTx data: what the house really costs to hold, what it costs to borrow against, and the inspection to book before your conditions come off.
From PropTx
The price, facts, description and history exactly as the feed states them. Nothing in this section is our own estimate.
Counts and measurements as the listing states them, not verified by us. Source: PropTx
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.
What comes from PropTx, and what is ours
The price, address, room and size figures, description and days on site are sourced from PropTx and can lag the live listing. The map placement and the cost, offer, insurance and rental tools below are our own work, not PropTx data. Anything we have modelled rather than sourced carries an Est. tag.
Last sold Sep 24, 2026 for $549,000. That is this house rather than a comparable, so none of the usual adjustments apply.
See the full price history2 events between Jul 31, 2026 and Sep 24, 2026.
Asking price moved from $549,000 on Jul 31, 2026 to $549,000 on Sep 24, 2026, a change of $0.
Welcome to your own waterfront escape on the beautiful Burnt River, where unforgettable summers, peaceful mornings and endless boating adventures await. Offering 70' of waterfront with clean, swimmable shoreline and direct boating access to Cameron Lake and the entire Trent Severn Waterway, this beautifully renovated property delivers the waterfront lifestyle you've been dreaming about at an affordable price. Updated throughout, this charming 3 bedroom cottage is move-in ready and blends modern comfort with timeless cottage appeal. Inside, you'll find bright, open living spaces featuring update flooring, quality finishes and a stunning floor to ceiling fireplace with a propane insert that creates the perfect gathering place after a day on the water. The beautifully renovated kitchen offers abundant cabinetry, modern appliances and an open layout that's perfect for entertaining. The bright sunroom provides an ideal place to enjoy your morning coffee, relax with a good book or gather with family and friends while taking in views of the surrounding property. Step outside onto the spacious deck where mature trees provide exceptional privacy and create the perfect setting for summer barbecues and eveings under the stars. Down by the water, your private dock invites endless days of swimming, kayaking, canoeing, paddleboarding, fishing or simply setting off to explore one of Ontario's most spectacular interconnected boating systems. End the day around the firepit sharing stories beneath the stars and creating memories that will last a lifetime. Whether you're searching for the perfect family cottage, a peaceful weekend getaway or a property that's suitable for year round enjoyment, this exceptional waterfront retreat has it all. Located just minutes from Fenelon Falls and less than two hours from the GTA, this is your opportunity to enjoy affordable waterfront living in the heart of the Kawartha's. Your waterfront lifestyle starts here!
Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.
The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.
On the record, and not one of the groups above.
1 years, from $3,069 in 2025 to $3,069 in 2025.
Neighbourhood market statistics is not shown here
Not shown: our current listing agreement does not licence this figure for display.
Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.
Every home of this type in Kawartha Lakes that has sold in the last 3 years.
Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.
Sourced from: PropTx. Last updated Sep 1, 2026.
From MyNest360
None of this is PropTx data. Each figure is our own and carries its source: the true cost to own, the mortgage studio, the inspection plan, and the rest.
Two figures stand against this house for two different purposes, the asking price and the assessment, so they do not agree and were never meant to. The gap is worked out here rather than left for you to hold in your head.
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.
At 20% down and 4.22% fixed, the all-in monthly cost works out to $2,769. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
At 20% or more there is no CMHC premium.
20% down · 4.22% indicative 5-yr fixed · The number of years the whole balance is paid off over. A longer amortization lowers the monthly payment and raises the total interest.. $3,069 for 2025, from the tax figure stated on the listing, divided by twelve. That is what the current owner pays, as the listing states it. That twelfth is the annual amount levelled across the year and not a payment you will make on any date. How a municipality actually collects it is set out in documents nobody here has read.; heat and utilities estimated. Figures illustrative.
Compare lenders and private optionsIt asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.
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Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.
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Explore the networkSourced from MyNest360
Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
Listed by KELLER WILLIAMS EDGE REALTY.
Listed by Century 21 Granite Realty Group Inc..
Listed by ENGEL & VOLKERS BARRIE.
Listed by Kawartha Waterfront Realty Inc..
Listed by Re/Max All-Stars Realty Inc..
Listed by RE/MAX Professionals North.
Listed by KELLER WILLIAMS EDGE REALTY.
Listed by Century 21 Granite Realty Group Inc..
Listed by ENGEL & VOLKERS BARRIE.
Listed by Kawartha Waterfront Realty Inc..
Listed by Re/Max All-Stars Realty Inc..
Listed by RE/MAX Professionals North.