Gurvinder Nokwal REALTOR®
For Sale Detached 115 days on market

$4,499,000

Est. payment $19,921/moCalculate yours

28 Cottage Street, Niagara-on-the-Lake, ON L0S 1J0

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

  • 4 Beds
  • 3 Baths
  • 2 Garage
  • 2,500 Sq Ft
Map

Listing courtesy of REVEL Realty Inc., Brokerage MLS® X13490744

About this home

Welcome To 28 Cottage Street, A Single-Family Luxury Bungalow Located In The Heart Of Royal Albion Welcome to one of the most extraordinary homes in Niagara-on-the-Lake. This one-of-a-kind 4-bedroom, 3-bath residence by Gatta Homes showcases the timeless architectural details and exceptional craftsmanship the builder is renowned for. Offering over 4,540 sq. ft. of luxurious living space, the home features state-of-the-art smart home technology that seamlessly controls lighting, climate, audio, and security from the touch of your fingertips.Designed for the future, this remarkable home is equipped with geothermal heating and cooling, solar panels, an electric vehicle charging hookup, and a Tesla battery backup system for efficient, sustainable living. Experience unmatched comfort year-round with radiant in-floor heating throughout every level of the home, including the basement, as well as a fully heated driveway for effortless winter living.A fully equipped elevator provides convenient access to every level, including the lower level, which features 9-foot ceilings, two bedrooms, a custom wine cellar, and a spectacular 5-piece spa-inspired bathroom complete with privacy glass, a steam shower, and a sauna. Every detail has been thoughtfully curated to deliver an unparalleled lifestyle. This is a truly breathtaking home that must be experienced to be appreciated.

Property details

Overview

Property Type
Detached
Style
Bungalow
For
For Sale
Status
New
Approximate Age
New
Size
2,500 sqft

Interior

Bedrooms
4
Bathrooms
3
Kitchens
1
Basement
Full

Building & Systems

Heating
Other (Ground Source)
Cooling
Other
Exterior
Stone, Stucco (Plaster)
Foundation
Concrete
Roof
Slate, Other
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
18.29 x 35.1 Metres
Parking
Attached garage · 6 total

Financial

Property Taxes
$11,966 (2025)

Location

Neighbourhood
101 - Town
Cross Street
cottage and king street
Direction Faces
East

Listing

MLS® Number
X13490744
Days on Market
115
Listed On
2026-06-25
Listed By
REVEL Realty Inc., Brokerage

Rooms

Room Level Dimensions
Bedroom Main 12′ 3″ × 14′ 11″
Other Lower 12′ 10″ × 30′ 0″
Primary Bedroom Main 28′ 0″ × 15′ 0″
Bedroom Lower 13′ 10″ × 13′ 10″
Kitchen Main 16′ 2″ × 13′ 0″
Great Room Main 27′ 6″ × 18′ 0″
Media Room Lower 15′ 11″ × 15′ 0″
Recreation Lower 21′ 8″ × 32′ 11″
Other Lower 9′ 9″ × 7′ 9″
Foyer Main -
Dining Room Main 15′ 0″ × 14′ 0″
Bedroom Lower 13′ 10″ × 13′ 0″
Den Main 13′ 9″ × 12′ 6″
Other Lower 16′ 2″ × 13′ 10″
Pantry Main 8′ 9″ × 9′ 0″
Laundry Main 8′ 6″ × 7′ 1″
Mud Room Main 11′ 9″ × 9′ 0″
Other Lower 18′ 10″ × 16′ 4″

Features

Interior

  • Air Exchanger
  • Auto Garage Door Remote
  • Bar Fridge
  • Built-In Oven
  • Carpet Free
  • ERV/HRV
  • Generator - Partial
  • Intercom
  • Other
  • Primary Bedroom - Main Floor
  • Sauna
  • Separate Heating Controls
  • Solar Owned
  • Steam Room
  • Sump Pump
  • Water Heater
  • Water Heater Owned
  • Water Meter

Pool

  • None

Mortgage calculator

Minimum for this price: $899,800 (20%)

Amortization, years

Estimated mortgage payment

$19,921 per month

Principal and interest
$19,921
Property tax
$997
Estimated monthly cost
$20,918

Your mortgage

Mortgage amount
$3,599,200
Mortgage insurance
Not needed
Interest over 25 years
$2,376,980

Cash to close

Down payment
$899,800
Land transfer tax
$98,950
Total, before legal fees
$998,750
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

28 Cottage 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).

$4,499,000 28 Cottage Street, Niagara-on-the-Lake, ON L0S 1J0
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