Home/Modular Homes by City/Kawartha Lakes
Serving the City of Kawartha Lakes
Modular Homes in Kawartha Lakes, Ontario
Factory-direct modular homes and backyard suites for the City of Kawartha Lakes — Lindsay, Fenelon Falls, Bobcaygeon, and the surrounding communities. Here's what Kawartha Lakes's additional-residential-unit rules allow, what it costs, and the by-law that applies.
What you can build in Kawartha Lakes
Full modular homes — from $175,696. 29 models from 560 to 1,405 sq ft, 1–3 bedrooms — factory-built to the Ontario Building Code and set on a permanent foundation (a real, permanent house, not a “trailer”).
Backyard suites (ADUs) — from $96,244. 7 compact models built for garden-suite and in-law-suite use, sized to fit what Kawartha Lakes's by-law allows.
All homes are CSA-certified (A277 modular / Z240MH manufactured), finished in the factory, and delivered ready for foundation and hook-up. What's the difference between modular, manufactured, and mobile? →
Find your backyard suite — 3 quick questions
We'll narrow the models that fit a typical Kawartha Lakes backyard allowance to the ones that fit your life. No email needed.
1 · Who's it for?
2 · What layout?
3 · What size feels right? (Kawartha Lakes lots typically allow up to ~900 sq ft)
Kawartha Lakes lets a detached suite be as big as your house allows (up to 100% of its floor area), within the lot-coverage limit. Your exact lot may allow more or less — get the real number for your address in seconds.
Check your exact Kawartha Lakes address →Can you put a garden suite (ADU) in your Kawartha Lakes backyard?
Often, yes — Kawartha Lakes permits a detached Additional Residential Unit on most serviced residential lots. The specifics, from City of Kawartha Lakes ARU Guide (May 2025) + the area zoning by-laws:
| Max size | As big as your house allows — up to 100% of the main dwelling’s floor area, within a 45% lot-coverage limit |
|---|---|
| Max height | 10 m (≈33 ft) |
| Setbacks | 1.2 m (≈4 ft) rear & interior side |
| Parking | None required |
| Shoreline | 20 m (≈66 ft) from the high-water mark on waterfront lots |
| Servicing | Municipal services, or private well & septic on rural lots where capacity allows |
| Conservation | Kawartha Conservation (KRCA); Otonabee Region CA (ORCA) in the east |
Grants & financing in Kawartha Lakes
See every program → Ontario ADU Grants Directory
A modular or prefab home on a permanent foundation is financed like any house. CMHC Prefab Plus allows an insured mortgage with as little as 5% down on the first $500,000, with construction funds released in stages. How modular home financing works →
Thinking of the suite as a rental? Run the numbers →
Kawartha Lakes modular homes — FAQ
Can you put a garden suite in Kawartha Lakes (Lindsay, Fenelon Falls, Bobcaygeon…)?
Yes. The City of Kawartha Lakes permits a detached additional residential unit across its communities — subject to the size, height, and shoreline rules and a building permit.
How big can a garden suite be in Kawartha Lakes?
A detached suite can be as big as your house allows — up to 100% of the main dwelling’s floor area, within a 45% lot-coverage limit. Check your address for the specifics.
Can you put a modular home in Kawartha Lakes?
Yes. On land you own, a modular home on a permanent foundation is legal residential housing under the Ontario Building Code throughout the City of Kawartha Lakes, subject to standard zoning and permits.
How much does a modular home or backyard suite cost in Kawartha Lakes?
Modular home models start at $175,696 and run to about $338,000 for the largest layouts; backyard ADU models start at $96,244. Site work, foundation, delivery, and permits are additional.
Can I get a mortgage on a modular home in Kawartha Lakes?
Yes — on a permanent foundation it is financed as real property, including via CMHC Prefab Plus (5% down on the first $500,000).
Local rules summarized from City of Kawartha Lakes ARU Guide (May 2025) + the area zoning by-laws; verified by Modular Homes 400 and reviewed by James Clarke, REALTOR®. Always confirm current requirements with the City of Kawartha Lakes before you build.