$1,195,000
Est. payment $5,291/moCalculate yours
305 Centre Street, Niagara-on-the-Lake, ON L0S 1J0
101 - Town, Niagara-on-the-Lake, ON L0S 1J0
- 3 + 1 Beds
- 3 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of SOUTHVALE REALTY INC. MLS® X13750200
About this home
Centrally located in the heart of Old Town Niagara-on-the-Lake, the Cellar House offers a warm & inviting mid-century modern living experience. Set on a generous, beautifully maintained 70′ x 140′ lot, this charming side-split home includes an attached garage and 4 fully finished levels of living space. Featuring 3 +1 spacious bedrooms + 2 bathrooms, the home is move-in ready while also offering exciting potential for future expansion, subject to the Town’s heritage bylaws. Adding to its appeal, the property comes with a short-term rental permit- a valuable opportunity as new permits are no longer being issued. Whether you’re looking to enjoy the home yourself or hold it as an investment, this is a rare opportunity for the savvy buyer. Inside, bright and thoughtfully designed living spaces create a comfortable & welcoming atmosphere. The well-preserved kitchen showcases beautiful cherry wood cabinetry, while 3 generously sized bedrooms provide plenty of space for family and guests. Step outside to discover an expansive, private backyard designed for relaxation & entertaining. The outdoor space features a stone patio area, seven-person hot tub, and gas fireplace-perfect for enjoying quiet evenings or hosting friends and family. Just a short walk from the golf course, Queen Street’s shops and restaurants, & the area’s renowned wineries, the Cellar House offers an exceptional location for full-time living, a weekend getaway, or a revenue-generating investment property. Don’t miss this rare opportunity to own your own piece of historic Niagara-on-the- lake!
Property details
Overview
- Property Type
- Detached
- Style
- Sidesplit 4
- For
- For Sale
- Status
- New
- Approximate Age
- 51-99
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3 + 1
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Finished, Other
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick, Concrete
- Foundation
- Concrete
- Roof
- Shingles
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 70 x 140 Feet
- Parking
- Attached garage · 5 total
Financial
- Property Taxes
- $5,460 (2025)
Location
- Neighbourhood
- 101 - Town
- Cross Street
- Butler & Centre St.
- Direction Faces
- North
Listing
- MLS® Number
- X13750200
- Days on Market
- 44
- Listed On
- 2026-09-04
- Possession
- To be arranged. Please speak to L/A
- Listed By
- SOUTHVALE REALTY INC.
Rooms
Features
Interior
- Other
- Guest Accommodations
- In-Law Capability
Property
- Golf
- Lake/Pond
- Park
- Place Of Worship
- Public Transit
- School
Pool
- None
- Included
- All appliances (fridge, stove, microwave, water dispenser, dishwasher, washing machine, dryer) Chandelier, Extra paint & supplies-Smart Locks-Smart Home & internet hardware (assuming it can be transfered)
- Excluded
- Furniture, decor & bedding-Cookware, dishes, plates, glasssware, cutlery, Gas Firepit-Outdoor Furniture
Mortgage calculator
Estimated mortgage payment
$5,291 per month
- Principal and interest
- $5,291
- Property tax
- $455
- Condo fees
- $0
- Estimated monthly cost
- $5,746
Your mortgage
- Mortgage amount
- $956,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $631,360
Cash to close
- Down payment
- $239,000
- Land transfer tax
- $20,375
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $259,375
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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