$678,900
Est. payment $3,006/moCalculate yours
642 PENNER Road, Niagara-on-the-Lake, ON L0S 1J0
108 - Virgil, Niagara-on-the-Lake, ON L0S 1J0
- 3 + 1 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of BOLDT REALTY INC., BROKERAGE MLS® X13864134
About this home
Welcome to this beautifully renovated 3+1 bedroom home in the heart of Virgil, perfectly situated on a picturesque -acre lot just steps from schools, restaurants, shopping, and other everyday amenities.Designed for both comfortable living and entertaining, the impressive 200-foot-deep backyard features a deck, concrete patio and, large covered outdoor bar, creating the perfect setting for summer gatherings with family and friends.Inside, you’ll find a bright, open-concept main floor featuring an updated kitchen, spacious living and dining areas, a convenient powder room, and a private primary suite complete with a walk-in closet and ensuite. Upstairs offers two additional bedrooms, ideal for a growing family. The fully finished basement provides additional living space, a fourth bedroom, and a full bathroom with laundry, offering flexibility for families, guests, or a home office.Currently operating as a licensed short-term rental, this property presents an excellent opportunity for investors seeking an established income-producing property or buyers looking for a home with added revenue potential. Move-in ready and situated in one of Niagara-on-the-Lake’s most desirable communities, this a rare opportunity you wont want to miss.
Property details
Overview
- Property Type
- Detached
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- New
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3 + 1
- Bathrooms
- 2
- Kitchens
- 1
- Total Rooms
- 12
- Basement
- Finished, Full
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Aluminum Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 62 x 200 Feet
- Parking
- Attached garage · 7 total
- Zoning
- R1
Financial
- Property Taxes
- $3,587 (2026)
Location
- Neighbourhood
- 108 - Virgil
- Cross Street
- Niagara Stone Rd and Line 1
- Direction Faces
- North
Listing
- MLS® Number
- X13864134
- Days on Market
- 13
- Listed On
- 2026-10-05
- Possession
- immediate
- Listed By
- BOLDT REALTY INC., BROKERAGE
Rooms
Features
Interior
- Water Heater
- Central Vacuum
Pool
- None
- Included
- Fridge, Stove, Washer, Dryer, Dishwasher
- Excluded
- N/A
Mortgage calculator
Estimated mortgage payment
$3,006 per month
- Principal and interest
- $3,006
- Property tax
- $299
- Condo fees
- $0
- Estimated monthly cost
- $3,305
Your mortgage
- Mortgage amount
- $543,120
- Mortgage insurance
- Not needed
- Interest over 25 years
- $358,687
Cash to close
- Down payment
- $135,780
- Land transfer tax
- $10,053
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $145,833
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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