




3 Cherry Street, Niagara-on-the-Lake, ON
L0S 1J0
Listed September 9, 2026
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About this property
Welcome to this beautiful and inviting classic red brick raised bungalow that offers over 1000 sq ft of main floor living...its going to will like home as soon as you walk thru the door. Attention to detail and care is evident throughout the entire home, almost all the work done in the past 5 years, leaving you nothing to do but enjoy the lovely community of Virgil. This simple but special home is bright with a clean comfort that offers an attached garage on a property that is just shy of a 1/4 of an acre. The backyard is private and a generous size, perfect for those looking for a quiet escape and still wanting space for some gardens and trees. Enter thru the front door and a sunny window fills the living room as you soak in the updated decor. Around the corner is the thoughtfully updated kitchen with spacious island, quartz counters, lots of cupboards and a tucked in banquet for dining at home. All the appliances will stay, making this an even easier move. The 3 bed bungalow is a rare find in the area, and each of these rooms are a nice size with closets one with unique accent wall. The main 4 piece bath was also recently updated. Head down a few steps to reach the garage access right off the kitchen, perfect for bringing in the groceries. Then a few more steps down to the fully finished basement, all done within the past 5 years. What a great space with a beautifully finished family room and handy workout/office space. Always nice to have a second bathroom, this one is 3 pieces and a comfortable 4th bed/bonus room, perfect for family that comes to visit. Roof, fence, widows, basement, insulation (attic blown in & basement spray foam),AC...and so much more all done since 2021. These owners love the private oasis of the backyard along with their neighbours that share this great community of Virgil...what greater selling point is there?! Only a few minutes to the QEW but you will feel a world away from the busyness of life here at 3 Cherry Street.
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Property Details
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Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 3 Cherry Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$157,317 · Minimum $53,658
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 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
$4,923/mo
About $59,076 a year
- $3,479
- $334
- Home insurance$125
- Utilities$330
- Maintenance & repairs$655
Cash needed to close
- Down payment (20%)
- $157,317
- Ontario land transfer tax
- $12,207
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $172,023
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
3 Cherry Street, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 9, 2026
Listing Office: COLDWELL BANKER MOMENTUM REALTY, BROKERAGE
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