642 PENNER Road, Niagara-on-the-Lake, ON L0S 1J0
Niagara-on-the-Lake, ON L0S 1J0
Quick cost estimateKnown monthly subtotal$3,457.73 / monthLand transfer tax $10,053One-time estimate
Quick cost estimate
$3,457.73 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,158.81
- Property tax / month
- $298.92
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $10,053
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $10,053
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Welcome to this beautifully renovated 3+1 bedroom home in the heart of Virgil, perfectly situated on a picturesque -acre lot just steps from schools, restaurants, shopping, and other everyday amenities.Designed for both comfortable living and entertaining, the impressive 200-foot-deep backyard features a deck, concrete patio and, large covered outdoor bar, creating the perfect setting for summer gatherings with family and friends.Inside, you'll find a bright, open-concept main floor featuring an updated kitchen, spacious living and dining areas, a convenient powder room, and a private primary suite complete with a walk-in closet and ensuite. Upstairs offers two additional bedrooms, ideal for a growing family. The fully finished basement provides additional living space, a fourth bedroom, and a full bathroom with laundry, offering flexibility for families, guests, or a home office.Currently operating as a licensed short-term rental, this property presents an excellent opportunity for investors seeking an established income-producing property or buyers looking for a home with added revenue potential. Move-in ready and situated in one of Niagara-on-the-Lake's most desirable communities, this a rare opportunity you wont want to miss.
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13864134
- Source status
- New
- Bedrooms
- 4
- Bathrooms
- 2
- Postal code
- L0S 1J0
- Kitchens
- 1
- Kitchens above grade
- 1
- Kitchens below grade
- 0
- Family room / den
- Yes
- Interior size (reported range)
- 1100-1500
- Lot size
- < .50 acres (reported range)
- Lot depth
- 200 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 7
- Occupancy
- Owner+Tenant
- Possession type
- Immediate
- Garage
- Attached
- Annual property tax
- 3587
- Basement
- Finished, Full
- Interior features
- Water Heater, Central Vacuum
- Architectural style
- 1 1/2 Storey
- Parking features
- Private Double
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Elevator
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- North
- Construction materials
- Aluminum Siding
- Roof
- Asphalt Shingle
- Foundation
- Concrete
- MLS entry age (not confirmed DOM)
- 32 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Bedrooms below grade
- 1
- Rooms above grade
- 9
- Rooms below grade
- 3
- Total rooms (source)
- 12
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $678,900
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
Explore sold records with approved VOW access →Nearby homes sold near 642 PENNER Road, Niagara-on-the-Lake, ON L0S 1J0, Niagara-on-the-Lake
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Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- NIAGARA
- Municipality
- NIAGARA-ON-THE-LAKE
- MLS® community
- 108 - Virgil
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Around this property
Schools, transit & everyday places
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Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in Niagara-on-the-Lake
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
642 PENNER Road, Niagara-on-the-Lake, ON L0S 1J0, Niagara-on-the-Lake is listed for sale as a Detached. The listing reports 4 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 7, lot size reported as < .50 acres (reported range). Asking price: $678,900. Occupancy is reported as Owner+Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13864134.
Local context
Explore the area: Niagara-on-the-Lake · 108 - Virgil.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: BOLDT REALTY INC., BROKERAGE. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13864134. Information deemed reliable but not guaranteed.