28 Cottage Street, Niagara-on-the-Lake, ON
L0S 1J0
Listed June 25, 2026
Property Tour
About this property
Welcome To 28 Cottage Street, A Single-Family Luxury Bungalow Located In The Heart Of Royal Albion Welcome to one of the most extraordinary homes in Niagara-on-the-Lake. This one-of-a-kind 4-bedroom, 3-bath residence by Gatta Homes showcases the timeless architectural details and exceptional craftsmanship the builder is renowned for. Offering over 4,540 sq. ft. of luxurious living space, the home features state-of-the-art smart home technology that seamlessly controls lighting, climate, audio, and security from the touch of your fingertips.Designed for the future, this remarkable home is equipped with geothermal heating and cooling, solar panels, an electric vehicle charging hookup, and a Tesla battery backup system for efficient, sustainable living. Experience unmatched comfort year-round with radiant in-floor heating throughout every level of the home, including the basement, as well as a fully heated driveway for effortless winter living.A fully equipped elevator provides convenient access to every level, including the lower level, which features 9-foot ceilings, two bedrooms, a custom wine cellar, and a spectacular 5-piece spa-inspired bathroom complete with privacy glass, a steam shower, and a sauna. Every detail has been thoughtfully curated to deliver an unparalleled lifestyle. This is a truly breathtaking home that must be experienced to be appreciated.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 28 Cottage Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$899,800 · Minimum $899,800
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
$25,102/mo
About $301,224 a year
- $19,901
- $997
- Home insurance$125
- Utilities$330
- Maintenance & repairs$3,749
Cash needed to close
- Down payment (20%)
- $899,800
- Ontario land transfer tax
- $98,950
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $1,001,250
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
28 Cottage Street, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: June 25, 2026
Listing Office: REVEL Realty Inc., Brokerage
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