




306 Centre Street, Niagara-on-the-Lake, ON
L0S 1J0
Listed October 22, 2026
About this property
Welcome To 306 Centre Street In The Charming Old Town Of Niagara-On-The-Lake, Just A Five-Minute Stroll To Iconic Queen Street, Boutique Shops, Restaurants, Theatres, Golf, And The Shores Of Lake Ontario. This Move-In-Ready Home Blends Modern Finishes With Timeless Appeal, Featuring A Custom-Designed Kitchen With Quartz Countertops, Stainless Steel Appliances, And A Large Island With Seating For Four. Wide-Plank Oak Flooring Flows Throughout The Home, While The Two Full Bathrooms Have Been Tastefully Updated, Including A Main Bath With A Walnut Vanity And Heated Floors. Offering Three Spacious Bedrooms On The Upper Level, Two Inviting Living Areas, A Dedicated Office, And A Walk-Out From The Renovated Lower Level To The Backyard, This Home Provides Exceptional Flexibility For Families Or Those Who Love To Entertain. The Finished Basement Also Offers Excellent Potential For A Fully Functioning Kitchen And Additional Bedroom, Making It Ideal For An In-Law Suite Or Extended Family Living. Situated On A Generous 70' X 141' Lot, The Private Backyard Is Beautifully Landscaped With Mature Trees, Shrubs, And Perennial Gardens, And Was Fully Fenced In 2023 To Create A Peaceful Outdoor Retreat. Enjoy Your Morning Coffee On The Expansive Front Porch, Perfectly Positioned To Capture The Morning Sun. The Attached Garage Provides Convenient Parking And Additional Storage. This Is A Rare Opportunity To Own A Beautifully Updated Home In One Of Niagara-On-The-Lake's Most Desirable Neighbourhoods. Come Experience Everything This Exceptional Property Has To Offer!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 306 Centre Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$249,980 · Minimum $99,990
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
$11,225/mo
About $134,700 a year
- $5,529
- $4,199
- Home insurance$125
- Utilities$330
- Maintenance & repairs$1,042
Cash needed to close
- Down payment (20%)
- $249,980
- Ontario land transfer tax
- $21,473
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $273,953
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
306 Centre Street, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 22, 2026
Listing Office: SOTHEBY'S INTERNATIONAL REALTY, BROKERAGE
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