$1,499,999
Est. payment $6,642/moCalculate yours
655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0
101 - Town, Niagara-on-the-Lake, ON L0S 1J0
- 3 Beds
- 3 Baths
- 2 Garage
- 2,000 Sq Ft
Listing courtesy of RE/MAX NIAGARA REALTY LTD, BROKERAGE MLS® X13876812
About this home
Classic Niagara-on-the-Lake charm, beautiful gardens, and pride of ownership welcome you to 655 Charlotte Street. Located in sought-after Old Town, this lovingly maintained 3-bedroom, 2.5-bathroom home offers timeless character and everyday comfort. Framed by mature trees and beautifully landscaped gardens, its handsome brick exterior, charming dormers, and covered entrance create an inviting first impression.The main-floor primary bedroom adds convenience and flexibility, while two additional bedrooms provide space for family, guests, or a home office. A large unfinished basement offers a blank canvas to suit your needs, whether you envision a recreation room, home gym, hobby space, or additional living area. An attached double garage adds everyday practicality.Outside, enjoy the thoughtfully tended gardens and a deck updated approximately three years ago-an ideal setting for morning coffee, outdoor dining, and relaxed evenings with friends and family. Close to the Heritage Trail, Old Town shops and restaurants, and the Shaw Festival Theatre, this home puts the best of Niagara-on-the-Lake within easy reach. A charming, well-cared-for home ready for its next chapter.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 16-30
- Size
- 2,000 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Full, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 60 x 120.08 Feet
- Parking
- Attached garage · 8 total
Financial
- Property Taxes
- $9,455 (2026)
Location
- Neighbourhood
- 101 - Town
- Cross Street
- John/Niagara
- Direction Faces
- North
Listing
- MLS® Number
- X13876812
- Days on Market
- 10
- Listed On
- 2026-10-08
- Possession
- FLEXIBLE
- Listed By
- RE/MAX NIAGARA REALTY LTD, BROKERAGE
Rooms
Features
Interior
- Primary Bedroom - Main Floor
Property
- Arts Centre
- Golf
- Rec./Commun.Centre
- School Bus Route
- Park
- Greenbelt/Conservation
Pool
- None
- Included
- Fridge, Stove, Washer, Dishwasher
- Rental items
- HWT
Mortgage calculator
Estimated mortgage payment
$6,642 per month
- Principal and interest
- $6,642
- Property tax
- $788
- Condo fees
- $0
- Estimated monthly cost
- $7,430
Your mortgage
- Mortgage amount
- $1,199,999
- Mortgage insurance
- Not needed
- Interest over 25 years
- $792,502
Cash to close
- Down payment
- $300,000
- Land transfer tax
- $26,475
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $326,475
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
This photo could not be loaded.