235 Simcoe Street, Niagara-on-the-Lake, ON

$1,999,900
MLS#:X13419564
3 beds
2 baths
2000-2500 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 101 - Town. Expertly crafted featuring premium stucco (plaster) and wood construction, this residence presents an exceptional opportunity offered at $1,999,900 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 2 Bathrooms
  • Generous living space spanning 2000-2500 sqft on a premium 109.36 x 95.23 ft lot
  • Features a unfinished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Other
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Nestled in the heart of Old Town Niagara-on-the-Lake, this stunning heritage home offers a rare blend of historic charm and thoughtful modern updates. Featuring 3 bedrooms, 2 bathrooms, original hardwood floors, five fireplaces, and elegant living spaces, the home is designed for both comfort and entertaining. Expansive bifold doors open completely to create a seamless indoor-outdoor experience, connecting the home to beautifully landscaped gardens and a private backyard retreat featuring a built-in natural gas fireplace and BBQ. A detached coach house provides additional space for guests, a studio, or home office. Enjoy an unmatched walkable lifestyle just steps to Queen Street's boutiques, cafés, restaurants, wineries, the Shaw Festival, Canada's oldest golf course, and scenic lakefront dining. A truly exceptional Niagara-on-the-Lake offering.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
2000-2500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/9/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionStucco (Plaster), Wood
BasementUnfinished, Full
Lot Size109.36 × 95.23 Feet
CountyNiagara
Annual Tax$11,000
Legal DescriptionPT LT 96 PL 86 NIAGARA PT 2 TO 4 30R3707; S/T R0531950; T/W EASEMENT OVER PT LT 96, TP PL 86, OVER PT 2, 30R11377 AS IN NR55259, T/W EASEMENT OVER PT LT 4 PL 30M344 PT 2 30R11437 AS IN NR94932; NIAGARA ON THE LAKE

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Interior Features

Other

Security Features

Community Features

Location

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235 Simcoe Street, 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 235 Simcoe Street, 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$399,980 (20.0%)
* Minimum Canadian down payment required for this price is $399,980.
Amortization Period25 Years
Estimated Monthly Payment$9,534Based on a loan of $1,599,920 over 25 years.
Purchase Price$1,999,900
Loan Amount$1,599,920
Provincial Land Transfer Tax:$36,473
Total Estimated Closing Taxes:$36,473

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

For a property listed at $1,999,900 in Niagara-on-the-Lake, the legal minimum down payment is $399,980 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 $36,473 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 $36,473.

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$1,478,278

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.