146 Four Mile Creek Road, Niagara-on-the-Lake, ON
L0S 1J0
Listed June 29, 2026
About this property
Prime Niagara-on-the-Lake (St. David's)! A rare opportunity to own a beautifully updated home on an impressive 103 ft x 180 ft lot in one of NOTL's most desirable neighbourhoods. This bright and welcoming 4 bedroom, 3.5 bathroom residence offers over 2,500 sq ft of finished living space, featuring large windows that flood the home with natural light and warmth throughout.Currently operating as a licensed Airbnb, this property provides excellent potential for investors or buyers seeking a turnkey short-term rental in a world-class destination.Extensive upgrades include new asphalt driveway (2021), garage concrete pad (2021), garage door, new windows (2021), stucco exterior (2021), and a 200-amp electrical panel. The kitchen and bathrooms were refreshed (2021), complemented by a complete set of newer kitchen appliances. Major mechanical improvements include an owned hot water tank (2023) and owned heat pump (2023).Step outside to enjoy a large inground pool, perfect for summer entertaining and relaxing. Pool updates include a repainted pool, new piping, and new skimmer (2024).Enjoy the convenience of a double car garage plus 6 additional parking spaces (8 total). The outdoor setting is low-maintenance and offers beautiful open neighbourhood views. The spacious primary bedroom features a 3-piece ensuite and a private balcony overlooking the clear view-perfect for morning coffee or evening relaxation.Just minutes to award-winning wineries, golf, and the charm of historic Niagara-on-the-Lake.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 146 Four Mile Creek Road — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$219,800 · Minimum $84,900
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$6,599/mo
About $79,188 a year
- $4,861
- $367
- Home insurance$125
- Utilities$330
- Maintenance & repairs$916
Cash needed to close
- Down payment (20%)
- $219,800
- Ontario land transfer tax
- $18,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $240,755
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
146 Four Mile Creek Road, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: June 29, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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