326 Concession 3 Road, Niagara-on-the-Lake, ON

$975,000
MLS#:X13541226
3 beds
3 baths
2500-3000 sqft
6.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 105 - St. Davids. Expertly crafted featuring premium vinyl siding and brick construction, this residence presents an exceptional opportunity offered at $975,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 37.83 x 105.02 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Other
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

This one-of-a-kind home offers breathtaking vineyard and Escarpment views and a rare opportunity to live in the heart of Niagara-on-the-Lake, renowned for its wineries, dining, golf courses, scenic trails, and exceptional lifestyle. Offering over 2,500 sq. ft. above grade, this beautifully upgraded home showcases quality craftsmanship throughout.Step inside through the grand double front doors to a bright, open-concept layout featuring vintage oak engineered hardwood, porcelain tile, smooth ceilings, oversized baseboards, upgraded trim, custom lighting with pot lights, and oak staircases. The inviting living room boasts coffered ceilings and a gas fireplace, while the spacious dining area is perfect for entertaining. The chef-inspired kitchen features Caesarstone quartz countertops, a large island with breakfast bar, custom ceiling-height cabinetry with crown moulding, upgraded built-in stainless steel appliances, a stylish backsplash, and garden doors leading to the private backyard.The second-floor family room opens to a covered balcony with glass railings, creating the perfect place to enjoy the picturesque views. The primary suite offers a sitting area, dual closets, and a luxurious 5-piece ensuite with a freestanding soaker tub and frameless glass shower. Two additional bedrooms feature upgraded Berber carpet and share a full bath, while an open flex space is ideal for a home office.The basement is insulated, drywalled, wired, and includes a second gas fireplace, offering incredible potential for additional living space or an in-law suite with its separate garage entrance. Outside, enjoy a professionally landscaped front entrance, composite deck with privacy panels, fenced yard, upgraded window coverings, UV-protective rear window film, central vacuum, alarm system, double-car garage, two-car driveway, and main-floor laundry. A truly exceptional home in one of Niagara-on-the-Lake's most sought-after vineyard communities.

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Key Features

Bedrooms
3
Bathrooms
3
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/8/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionVinyl Siding, Brick
BasementFull, Partially Finished
Lot Size37.83 × 105.02 Feet
CountyNiagara
Annual Tax$6,488.32
Legal DescriptionLOT 219, PLAN 30M422 SUBJECT TO AN EASEMENT FOR ENTRY AS IN NR428807 SUBJECT TO AN EASEMENT FOR ENTRY AS IN NR428807 TOWN OF NIAGARA-ON-THE-LAKE

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Other

Security Features

Community Features

Location

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326 Concession 3 Road, Niagara-on-the-Lake, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 326 Concession 3 Road, Niagara-on-the-Lake, ON L0S 1J0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Niagara-on-the-Lake.

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Interest Rate5.25%
Down Payment$72,500 (7.4%)
* Minimum Canadian down payment required for this price is $72,500.
Amortization Period25 Years
Estimated Monthly Payment$5,378Based on a loan of $902,500 over 25 years.
Purchase Price$975,000
Loan Amount$902,500
Provincial Land Transfer Tax:$15,975
Total Estimated Closing Taxes:$15,975

About Purchasing a Home in Niagara-on-the-Lake, ON

For a property listed at $975,000 in Niagara-on-the-Lake, the legal minimum down payment is $72,500 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $15,975 for this transaction. As this listing is in Niagara-on-the-Lake (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $15,975.

Nearby Listings

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Niagara-on-the-Lake.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$1,477,033

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Crossroads
Public1350 Niagara Stone Road, Niagara-on-the-Lake, Ontario, L0S 1J0
9.0
St Michael
Public387 Line 3 Road, Niagara-on-the-Lake, Ontario, L0S 1J0
7.9

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.