4529 Garden Gate Terrace, Lincoln, ON
L3J 0E6
Listed October 30, 2026
Property Tour
About this property
Welcome to 4529 Garden Gate Terrace, a 3-bedroom, 4-bathroom semi-detached home, fully finished on all levels and located in a desirable, family-friendly Beamsville neighbourhood. With an attached garage, driveway parking for two vehicles and a finished lower level - with an office and family room, this home offers plenty of space and flexibility for everyday living. The main floor features a comfortable living room, dining area and kitchen, along with a convenient 2-piece powder room and direct access to the attached garage. Upstairs are three bedrooms, including a spacious primary bedroom with its own 2-piece ensuite, plus a full 4-piece bathroom. The finished lower level extends the living space with a family room, dedicated office, 3-piece bathroom and laundry - ideal for working from home, relaxing or creating additional space for the family. Outside, enjoy a fully fenced backyard, along with a private single driveway and attached garage with opener. Some rooms have been freshly painted, while a newer front door and garage door, along with updates to the furnace and central air, add to the home's comfort and appeal. Close to great schools, parks, shopping and everyday amenities, with easy highway access, this is a well-cared-for home in a sought-after Beamsville neighbourhood with the space to settle in and make your own.
Features
Property Details
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Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 4529 Garden Gate Terrace — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$126,000 · Minimum $38,000
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
$4,175/mo
About $50,100 a year
- $2,787
- $408
- Home insurance$125
- Utilities$330
- Maintenance & repairs$525
Cash needed to close
- Down payment (20%)
- $126,000
- Ontario land transfer tax
- $9,075
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $137,575
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
4529 Garden Gate Terrace, Lincoln, ON
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Last Updated: October 30, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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