$669,000
Est. payment $2,962/moCalculate yours
639 Penner Street, Niagara-on-the-Lake, ON L0S 1T0
108 - Virgil, Niagara-on-the-Lake, ON L0S 1T0
- 3 Beds
- 1 Baths
- 1,100 Sq Ft
Listing courtesy of REVEL Realty Inc., Brokerage MLS® X14005826
About this home
Nestled in the heart of Virgil, this stunning side-split home sits on a spacious 70 x 290 lot. A large driveway welcomes you, offering plenty of room for all your vehicles. Inside, the country kitchen and dinette are bathed in natural light from expansive windows. The living room features a cozy wood fireplace and a door leading to the back patio. The first bedroom is conveniently located off the main hallway on the main level. Just three steps up, you’ll find the bathroom and two additional bedrooms. The partial basement includes utilities, laundry, storage, and a door leading to a walk-up outside. Out back, a covered porch overlooks the expansive yard and creek, providing a serene retreat. This 10/10 location is the perfect place to call home! As a bonus, this property is a licensed Airbnb, offering great investment potential on top of its charm.
Property details
Overview
- Property Type
- Detached
- Style
- Sidesplit
- For
- For Sale
- Status
- New
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Partial Basement
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Other
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 70 x 290.65 Feet
- Parking
- None garage · 6 total
Financial
- Property Taxes
- $3,408 (2026)
Location
- Neighbourhood
- 108 - Virgil
- Cross Street
- niagara stone road - penner
- Direction Faces
- South
Listing
- MLS® Number
- X14005826
- Days on Market
- 9
- Listed On
- 2026-10-09
- Possession
- flexible
- Listed By
- REVEL Realty Inc., Brokerage
Rooms
Features
Interior
- Other
Pool
- None
Mortgage calculator
Estimated mortgage payment
$2,962 per month
- Principal and interest
- $2,962
- Property tax
- $284
- Condo fees
- $0
- Estimated monthly cost
- $3,246
Your mortgage
- Mortgage amount
- $535,200
- Mortgage insurance
- Not needed
- Interest over 25 years
- $353,456
Cash to close
- Down payment
- $133,800
- Land transfer tax
- $9,855
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $143,655
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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