




320 Orchard Drive, Niagara-on-the-Lake, ON
L0S 1J0
Listed October 30, 2026
About this property
Cottage Charm Meets Modern Comfort in the Heart of Niagara-on-the-Lake. Perfectly situated just one block from Lake Ontario, within walking distance to the Niagara-on-the-Lake Golf Club and the vibrant downtown core, this charming raised bungalow offers an exceptional lifestyle in one of the town's most sought-after neighbourhoods. Originally a classic NOTL cottage, this beautifully maintained home has been thoughtfully transformed into a spacious 2+2 bedroom, 2-bathroom residence offering approximately 1,276 sq. ft. of above-grade living space, plus a fully finished lower level. The inviting main level features a sun-filled living room with a cozy gas fireplace, large picture window, and views of the mature front gardens. The well-appointed kitchen flows seamlessly into the dining area, where patio doors lead to a charming deck overlooking the property's enchanting backyard oasis. Two comfortable bedrooms and a 4-piece bathroom complete the main floor. Downstairs, the bright lower level boasts impressive 8-foot ceilings, two generously sized bedrooms with large code-compliant windows, an additional 4-piece bathroom, office, laundry room, and utility/storage space. The private, fully fenced garden feels like a hidden retreat, complete with a charming four-season Bunkie featuring a 3-piece bathroom and kitchenette, making it ideal as a guest suite, artist's studio, home office, or hobby space. Enjoy evening strolls to nearby Ryerson Park, where breathtaking sunsets over Lake Ontario are part of everyday life. Set on a generous 50 x 110 ft. lot surrounded by prestigious homes, this property offers tremendous flexibility. Move in and enjoy its charm as-is or build your dream home in one of Niagara-on-the-Lake's most coveted neighbourhoods. A rare opportunity to own a character-filled property with endless potential in an exceptional location.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 320 Orchard Drive — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$179,800 · Minimum $64,900
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
$5,799/mo
About $69,588 a year
- $3,977
- $618
- Home insurance$125
- Utilities$330
- Maintenance & repairs$749
Cash needed to close
- Down payment (20%)
- $179,800
- Ontario land transfer tax
- $14,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $196,755
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
320 Orchard Drive, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 30, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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