42 Loretta Drive, Niagara-on-the-Lake, ON

$699,000
MLS#:X14118432
2 Bedrooms
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 2 Bed, 2 Bath Home at 42 Loretta Drive Niagara-on-the-Lake ON listed at $699,000 (MLS# X14118432) - Main View
Open House
For Sale
Added:Oct 26, 2026(19 days ago)
Updated:Nov 13, 2026(1 day ago)
Last Checked:6 minutes ago

Property Highlights

Welcome to this remarkable Bungalow detached located in the coveted neighborhood of Virgil. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $699,000 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.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 55.77 x 114.83 ft lot
  • Features a partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 2.0 garage spaces (4.0 total parking spaces) with a convenient attached configuration
  • Notable attributes: Central Vacuum, Auto Garage Door Remote, Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome home to Virgil, a family community in the stunning area of Niagara On The Lake and Historic Old Town! Is this your time to get away from the hustle and bustle of big city living and move to what feels like a 365-day vacation spot! Virgil is an excellent place for young families, first time buyers, retirees and everyone in between! This detached all brick bungalow boasts 1,402 sq. ft. & offers complete living on the main floor! Open concept. Living room has floor to ceiling pillars, bay window and gas f/place. Dining room has double French doors leading to the kitchen/breakfast area with a walk out to out to a 6.30m x 3.81m (20.75 x 12.5 ft) deck with railings and a ramp. Crown moldings in lr/dr/hallways. Two bedrooms and a 5-pc washroom on the main floor (dbl sinks, soaker tub, XL shower).The 2nd bedroom can also be used as a office, den, tv room, media room, library, as you see fit. Brand new 8mm vinyl flooring in bedrooms, stairs and basement hallway. Main floor laundry with a laundry sink. Inside access to garage. Open staircase to the basement which has a large partially finished room, a 3-pc washroom and a utility/storage area. Professionally cleaned and immaculate! The front area boasts a front covered porch where you can while away the hours. Mature shade trees, beautiful landscaping, perennials, custom stone work, front sprinkler system. Double car garage w/side door to side yard. Double car driveway. Furnace, AC, Heat Pump, Sump Pump (all 2-3 yrs old). All appliances included + central vacuum, electronic garage door opener. Can you say abundance? Virgil is surrounded by agriculture with vast vineyards, fruit and vegetable orchards. Schools, shopping, arenas, wineries, craft breweries & eateries are plentiful. The Shaw Festival is here too! Walk to the park. Generally, temperatures can be warmer than the GTA. Spring arrives earlier too and it spells "abundance" for what lies around the corner! Come to life in Virgil! You're moving up in every way!

Upcoming Open Houses

2 Scheduled
Saturday, November 14, 20262:00 PM - 4:00 PMPublic
Sunday, November 15, 20262:00 PM - 4:00 PMPublic
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Property Summary

This detached home located at 42 Loretta Drive, Niagara-on-the-Lake is currently for sale and has been available for 19 days. This property is listed at $699,000 with an estimated mortgage of $2,327* per month. It has 2 beds, 2 bathrooms, and is 1100-1500 square feet. 42 Loretta Drive, Niagara-on-the-Lake is in the Virgil neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 2 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Virgil, Niagara-on-the-Lake.

Highly Recommended for Families
What We Love About This Home
  • •2 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1100-1500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bedrooms
2 Bedrooms
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$699,000
AddedOct 26, 2026 (19 days ago)
UpdatedNov 13, 2026 (1 day ago)
Last Checked6 minutes ago
Transaction TypeFor Sale
List Office NameROYAL LEPAGE NRC REALTY

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow
ConstructionBrick
BasementPartially Finished
Lot Size55.77 × 114.83 Feet
CountyNiagara
Annual Tax$5,148.31
Rental Items.
Legal DescriptionPlan 30M304 Lot 75

Parking & Garage

Parking Total4.0
Parking Space2
Garage Parking2.0
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Park
  • School Bus Route

Interior Features

  • Central Vacuum
  • Auto Garage Door Remote
  • Primary Bedroom - Main Floor
  • Sump Pump
  • Water Heater
  • Wheelchair Access

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Niagara-on-the-Lake Home Buyer Advisory & Market HubActive MLS® Listing in Niagara-on-the-Lake, Ontario

Looking to Buy a Home in Niagara-on-the-Lake?

If you are looking for a house in Niagara-on-the-Lake or researching Niagara-on-the-Lake real estate for sale, this 2-bedroom detached at 42 Loretta Drive, Niagara-on-the-Lake, ON offers an exceptional opportunity to buy a home in Niagara-on-the-Lake, Ontario. Whether you are a first-time Niagara-on-the-Lake home buyer or comparing active Niagara-on-the-Lake MLS® homes for sale, working with a dedicated Niagara-on-the-Lake buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Niagara-on-the-Lake Homes for Sale & MLS® Listings

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Dedicated Niagara-on-the-Lake Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Niagara-on-the-Lake realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Niagara-on-the-Lake Buyer Budget & Costs

Estimated mortgage: $2,327*/month*. Estimated Ontario Land Transfer Tax: $10,455. First-time Niagara-on-the-Lake home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Niagara-on-the-Lake

Frequently Asked Questions about 42 Loretta Drive, Niagara-on-the-Lake, ON

Q.What is the asking price for 42 Loretta Drive, Niagara-on-the-Lake, ON ?

The current listing price for 42 Loretta Drive, Niagara-on-the-Lake, ON in Virgil, Niagara-on-the-Lake is $699,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 2 bedrooms and 2 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 42 Loretta Drive, Niagara-on-the-Lake, ON ?

42 Loretta Drive, Niagara-on-the-Lake, ON is a Detached (Bungalow) featuring a Partially Finished basement.

Q.What key property features does 42 Loretta Drive, Niagara-on-the-Lake, ON offer?

Key property features include: Park, School Bus Route.

Q.What interior features are included in this home?

Interior highlights include: Central Vacuum, Auto Garage Door Remote, Primary Bedroom - Main Floor, Sump Pump, Water Heater, Wheelchair Access.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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42 Loretta Drive, Niagara-on-the-Lake, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Virgil, Niagara-on-the-Lake

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
▼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 42 Loretta Drive, Niagara-on-the-Lake, ON L0S 1T0

Estimated Sales Range
$664,000 - $685,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$209,700 (30.0%)
* Minimum Canadian down payment required for this price is $44,900.
Amortization Period30 Years
Estimated Monthly Payment$2,327Based on a loan of $489,300 over 30 years.
Purchase Price$699,000
Loan Amount$489,300
Provincial Land Transfer Tax:$10,455
Total Estimated Closing Taxes:$10,455

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

For a property listed at $699,000 in Niagara-on-the-Lake, the legal minimum down payment is $44,900 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 $10,455 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 $10,455.

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Virgil, Niagara-on-the-Lake Neighborhood Guide

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

Verified Local Data
City Population2,794,356
City Median Age39.2 Yrs
City Ownership48% Owners
Avg Area List Price$1,554,543

People & Families

Age Distribution

Household Composition

One-person households
32%
Families with children
36%
Couples without children
24%
Other households
8%

Top Ethnic Origins

Chinese11%
English9%
Canadian8%
East Indian8%

Best Schools in Virgil, Niagara-on-the-Lake

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

No secondary schools data loaded.

Virgil, Niagara-on-the-Lake Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied48%
Rented52%

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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.

MLS® Active
$699,000

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