Gurvinder Nokwal REALTOR®
For Sale Detached 10 days on market

$1,499,999

Est. payment $6,642/moCalculate yours

655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0

101 - Town, Niagara-on-the-Lake, ON L0S 1J0

  • 3 Beds
  • 3 Baths
  • 2 Garage
  • 2,000 Sq Ft

Listing courtesy of RE/MAX NIAGARA REALTY LTD, BROKERAGE MLS® X13876812

About this home

Classic Niagara-on-the-Lake charm, beautiful gardens, and pride of ownership welcome you to 655 Charlotte Street. Located in sought-after Old Town, this lovingly maintained 3-bedroom, 2.5-bathroom home offers timeless character and everyday comfort. Framed by mature trees and beautifully landscaped gardens, its handsome brick exterior, charming dormers, and covered entrance create an inviting first impression.The main-floor primary bedroom adds convenience and flexibility, while two additional bedrooms provide space for family, guests, or a home office. A large unfinished basement offers a blank canvas to suit your needs, whether you envision a recreation room, home gym, hobby space, or additional living area. An attached double garage adds everyday practicality.Outside, enjoy the thoughtfully tended gardens and a deck updated approximately three years ago-an ideal setting for morning coffee, outdoor dining, and relaxed evenings with friends and family. Close to the Heritage Trail, Old Town shops and restaurants, and the Shaw Festival Theatre, this home puts the best of Niagara-on-the-Lake within easy reach. A charming, well-cared-for home ready for its next chapter.

Property details

Overview

Property Type
Detached
Style
2-Storey
For
For Sale
Status
New
Approximate Age
16-30
Size
2,000 sqft

Interior

Bedrooms
3
Bathrooms
3
Kitchens
1
Basement
Full, Unfinished

Building & Systems

Heating
Forced Air (Gas)
Cooling
Central Air
Exterior
Brick
Foundation
Poured Concrete
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
60 x 120.08 Feet
Parking
Attached garage · 8 total

Financial

Property Taxes
$9,455 (2026)

Location

Neighbourhood
101 - Town
Cross Street
John/Niagara
Direction Faces
North

Listing

MLS® Number
X13876812
Days on Market
10
Listed On
2026-10-08
Possession
FLEXIBLE
Listed By
RE/MAX NIAGARA REALTY LTD, BROKERAGE

Rooms

Room Level Dimensions
Kitchen Main 13′ 5″ × 11′ 0″
Bathroom Second 8′ 5″ × 7′ 5″
Office Basement 11′ 4″ × 11′ 8″
Primary Bedroom Main 15′ 1″ × 20′ 11″
Recreation Basement 48′ 1″ × 32′ 0″
Living Room Main 17′ 1″ × 14′ 9″
Dining Room Main 11′ 4″ × 12′ 6″
Family Room Second 11′ 8″ × 27′ 2″
Foyer Main 11′ 5″ × 36′ 1″
Bedroom Second 13′ 10″ × 11′ 7″
Breakfast Main 11′ 3″ × 11′ 0″
Other Basement 22′ 9″ × 12′ 8″
Bathroom Main 12′ 8″ × 12′ 4″
Bedroom Second 16′ 8″ × 15′ 6″
Laundry Main 13′ 6″ × 5′ 1″

Features

Interior

  • Primary Bedroom - Main Floor

Property

  • Arts Centre
  • Golf
  • Rec./Commun.Centre
  • School Bus Route
  • Park
  • Greenbelt/Conservation

Pool

  • None
Included
Fridge, Stove, Washer, Dishwasher
Rental items
HWT

Mortgage calculator

Minimum for this price: $125,000 (8.33%)

Amortization, years

Estimated mortgage payment

$6,642 per month

Principal and interest
$6,642
Property tax
$788
Estimated monthly cost
$7,430

Your mortgage

Mortgage amount
$1,199,999
Mortgage insurance
Not needed
Interest over 25 years
$792,502

Cash to close

Down payment
$300,000
Land transfer tax
$26,475
Total, before legal fees
$326,475
Talk to me about financing

Estimates 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

655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0 101 - Town, Niagara-on-the-Lake, ON L0S 1J0
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$1,499,999 655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0
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