$998,000
↓ $92,000 from $1,090,000
Est. payment $4,419/moCalculate yours
445 LINE 2 Road, Niagara-on-the-Lake, ON L0S 1J0
108 - Virgil, Niagara-on-the-Lake, ON L0S 1J0
- 4 Beds
- 2 Baths
- 1 Garage
- 2,000 Sq Ft
Listing courtesy of NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGE MLS® X13655184
About this home
Blending timeless charm with thoughtful modern updates, this beautifully maintained home offers the perfect balance of character and comfort. Steeped in local history, this property is the original Bradfield homestead, adding a unique sense of heritage and charm to an already exceptional home. A covered front porch overlooks the landscaped front gardens, creating a warm and inviting space to sit back and relax.Inside, the bright living and dining rooms are enhanced by large bay windows that fill the home with natural light. The well-appointed kitchen features quartz countertops, a spacious centre island with seating, abundant cabinetry, and generous prep space, making it ideal for both everyday living and entertaining. The main level also includes a cozy family room with a gas fireplace, a sunroom with a convenient laundry closet, and an updated three-piece bathroom. French doors open to a large deck overlooking the private backyard, seamlessly extending the living space outdoors.Upstairs, you’ll find four comfortable bedrooms and an updated four-piece bathroom. The primary bedroom is a standout, featuring a cathedral ceiling and distinctive architectural details that add warmth and character.The unfinished basement offers excellent storage space and includes a convenient walk-up to the backyard, providing added functionality and future potential.Outside, the property is designed for both relaxation and entertaining, with a detached garage, ample driveway parking, a concrete patio, a spacious deck, a saltwater hot tub, large shed and mature landscaping that creates a private outdoor retreat.Ideally located in the heart of Niagara’s Wine Country, this exceptional home is within walking distance of Crossroads Public School and just minutes from parks, wineries, shopping, and a full range of everyday amenities.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- Price Change
- Size
- 2,000 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 2
- Kitchens
- 1
- Total Rooms
- 12
- Basement
- Walk-Out, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Other
- Foundation
- Block
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 91 x 98 Feet
- Parking
- Detached garage · 10 total
- Zoning
- R1
Financial
- Property Taxes
- $4,454 (2026)
Location
- Neighbourhood
- 108 - Virgil
- Cross Street
- Niagara Stone Road to Line 2
- Direction Faces
- South
Listing
- MLS® Number
- X13655184
- Days on Market
- 70
- Listed On
- 2026-08-09
- Possession
- Flexible
- Listed By
- NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGE
Rooms
Features
Interior
- Solar Tube
- Sump Pump
- Central Vacuum
Property
- School
Pool
- None
- Included
- Refrigerator, stove, dishwasher, washer, dryer, and the basement refrigerator and freezer.
- Rental items
- Hot water rental
Mortgage calculator
Estimated mortgage payment
$4,419 per month
- Principal and interest
- $4,419
- Property tax
- $371
- Condo fees
- $0
- Estimated monthly cost
- $4,790
Your mortgage
- Mortgage amount
- $798,400
- Mortgage insurance
- Not needed
- Interest over 25 years
- $527,278
Cash to close
- Down payment
- $199,600
- Land transfer tax
- $16,435
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $216,035
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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