475 Gate Street, Niagara-on-the-Lake, ON
L0S 1J0
Listed October 23, 2026
Virtual Tour
About this property
Step into small-town elegance with this charming, move-in-ready 2-bedroom, 1-bathroom cottage-style home nestled right in the historic heart of Niagara-on-the-Lake. Just a short, tree-lined stroll from Queen Street shopping, the renowned Shaw Festival Theatre, local micro-breweries, and the scenic waterfront, this property captures the very best of Niagara wine country living. Open-Concept Living & Dining: Filled with natural light, the main living area offers a warm and inviting space to unwind after a day exploring local heritage sites or regional vineyards. Charming Main-Level Bedrooms: Two comfortable main-floor bedrooms featuring cozy quarters and classic finishes. Functional Kitchen: Thoughtfully appointed with all the essentials. Outdoor & Convenience Features: A backyard deck to unwind in, on-site parking for up to 4 vehicles, central heating and air conditioning, and high-speed Wi-Fi. Prime Location: Walkable to historic parks, community pools, and world-class dining, with easy access to the region's famous estate wineries. Whether you are searching for a peaceful weekend retreat, a downsized permanent residence, or a high-demand investment opportunity in Old Town, this cozy sanctuary delivers timeless appeal.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 475 Gate Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$137,800 · Minimum $43,900
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
$4,444/mo
About $53,328 a year
- $3,048
- $367
- Home insurance$125
- Utilities$330
- Maintenance & repairs$574
Cash needed to close
- Down payment (20%)
- $137,800
- Ontario land transfer tax
- $10,255
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $150,555
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
475 Gate Street, Niagara-on-the-Lake, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 23, 2026
Listing Office: RE/MAX REAL ESTATE CENTRE INC.
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