




424 Four Mile Creek Road, Niagara-on-the-Lake, ON
L0S 1J0
Listed August 4, 2026
Property Tour
About this property
Custom 2-storey modern farmhouse in desirable Millpond subdivision, nestled in picturesque rural setting. Built in 2020, this home showcases an impressive exterior with professionally landscaped, low-maintenance, perennial beds, mature trees and tasteful interlocking stone driveway and walkway. Welcoming covered front porch on which to enjoy morning sunrises and beautiful escarpment views! Attractive open-plan main level with spacious dining area, perfect for entertaining and open to living room with focal fireplace and vaulted ceiling with strategically placed pot lights. Bright and airy kitchen with oversized centre island, quartz countertops, stainless steel gas stove, dishwasher and fridge. Countless windows for natural sunlight to brighten every room. 8' sliding doors lead out onto large patio with pergola for dining al fresco or sitting in one of several seating areas surrounded by a rose covered trellis. Back inside, the main floor continues to an office cum music room, large full bath with glass shower and mud room with built-in shelving and cupboards, as well as access to backyard and double car garage. The second level is well laid out with the primary bedroom overlooking the scenic backyard, spacious walk-in closet and ensuite bath with custom vanity with 2 sinks and glass shower with raindrop showerhead. Second and third bedrooms overlook the front yard and share a large family bath with tub/shower combination. The third bedroom is currently used as an office and does not have a closet. Expansive laundry room with custom cabinetry and countertop. The basement has been finished and offers a bright and sunny bedroom with full bathroom, family room area for watching your favourite movies, pantry and utility/storage rooms. Situated by Millpond Road's row of luxurious homes, this property offers a larger yard abutting serene farmland beside and behind. Ideal family home on bus route and close to amenities, this is St. Davids living at its best!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 424 Four Mile Creek Road — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$259,800 · Minimum $104,900
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
$7,819/mo
About $93,828 a year
- $5,746
- $535
- Home insurance$125
- Utilities$330
- Maintenance & repairs$1,083
Cash needed to close
- Down payment (20%)
- $259,800
- Ontario land transfer tax
- $22,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $284,755
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
424 Four Mile Creek Road, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: August 4, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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