$1,398,000
Est. payment $6,190/moCalculate yours
514 King Street, Niagara-on-the-Lake, ON L0S 1J0
101 - Town, Niagara-on-the-Lake, ON L0S 1J0
- 5 + 1 Beds
- 4 Baths
- 2,000 Sq Ft
Listing courtesy of NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGE MLS® X13749122
About this home
Welcome to this unique and versatile home nestled on a fenced, treed lot backing directly onto the scenic Heritage Trail. Offering exceptional privacy and natural beauty, this property is just a short walk to Main Street shopping, world-class theatre, and renowned restaurants in charming Niagara-on-the-Lake. The main floor features a bright and spacious eat-in kitchen with ample storage, seamlessly open to the cozy family room with fireplace and sliding doors that lead to the serene backyard. A large living room with picture windows fills the space with natural light, while a separate dining room and convenient powder room complete the main living area. A standout feature of this home is the self-contained main floor apartment suite, ideal for multigenerational living, guests, or rental income. Renovated just 3 years ago, the suite includes its own bathroom, kitchenette, and fireplace, along with modern insulation, new windows, and updated siding. Upstairs, you’ll find four generously sized bedrooms, including a spacious primary suite complete with walk-in closet and luxury 4 piece bath. The basement offers even more flexibility with an additional bedroom, laundry area, and workshop space. Outside, enjoy a private, fully fenced backyard oasis featuring patios, sitting areas and sheltered dining space perfect for entertaining or unwinding in nature. Additional highlights include EV car charger, newer shingles, upgraded 200 AMP electrical panel, storage shed and new sliding back door. This is a truly unique opportunity to own a home that offers space, character, and location in one of Ontario’s most desirable communities.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 31-50
- Size
- 2,000 sqft
Interior
- Bedrooms
- 5 + 1
- Bathrooms
- 4
- Kitchens
- 2
- Basement
- Partially Finished, Full
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 55 x 212.8 Feet
- Parking
- None garage · 8 total
Financial
- Property Taxes
- $6,511 (2025)
Location
- Neighbourhood
- 101 - Town
- Cross Street
- MARY STREET
- Direction Faces
- West
Listing
- MLS® Number
- X13749122
- Days on Market
- 43
- Listed On
- 2026-09-05
- Possession
- TBD
- Listed By
- NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGE
Rooms
Features
Interior
- Accessory Apartment
- In-Law Capability
- In-Law Suite
Property
- Fenced Yard
- Electric Car Charger
- Wooded/Treed
Pool
- None
- Rental items
- HOT WATER HEATER
Mortgage calculator
Estimated mortgage payment
$6,190 per month
- Principal and interest
- $6,190
- Property tax
- $543
- Condo fees
- $0
- Estimated monthly cost
- $6,733
Your mortgage
- Mortgage amount
- $1,118,400
- Mortgage insurance
- Not needed
- Interest over 25 years
- $738,612
Cash to close
- Down payment
- $279,600
- Land transfer tax
- $24,435
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $304,035
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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