306 Centre Street, Niagara-on-the-Lake, ON

$1,249,900
MLS#:X14108606
4 beds
2 baths
1100-1500 sqft
3.0 parking
Residential Freehold
Residential Freehold for sale - 4 Bed, 2 Bath Home at 306 Centre Street Niagara-on-the-Lake ON listed at $1,249,900 (MLS# X14108606) - Main View
For Sale
Added:Oct 22, 2026(2 days ago)
Updated:Oct 22, 2026(2 days ago)
Last Checked:15 minutes ago

Property Highlights

Welcome to this remarkable Sidesplit detached located in the coveted neighborhood of Town. Expertly crafted featuring premium brick and aluminum siding construction, this residence presents an exceptional opportunity offered at $1,249,900 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 70 x 141 ft lot
  • Features a partial basement basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 1.0 garage spaces (3.0 total parking spaces) with a convenient attached configuration
  • Notable attributes: Water Meter
  • equipped with central air central cooling and highly efficient water heating via gas

Description

Welcome To 306 Centre Street In The Charming Old Town Of Niagara-On-The-Lake, Just A Five-Minute Stroll To Iconic Queen Street, Boutique Shops, Restaurants, Theatres, Golf, And The Shores Of Lake Ontario. This Move-In-Ready Home Blends Modern Finishes With Timeless Appeal, Featuring A Custom-Designed Kitchen With Quartz Countertops, Stainless Steel Appliances, And A Large Island With Seating For Four. Wide-Plank Oak Flooring Flows Throughout The Home, While The Two Full Bathrooms Have Been Tastefully Updated, Including A Main Bath With A Walnut Vanity And Heated Floors. Offering Three Spacious Bedrooms On The Upper Level, Two Inviting Living Areas, A Dedicated Office, And A Walk-Out From The Renovated Lower Level To The Backyard, This Home Provides Exceptional Flexibility For Families Or Those Who Love To Entertain. The Finished Basement Also Offers Excellent Potential For A Fully Functioning Kitchen And Additional Bedroom, Making It Ideal For An In-Law Suite Or Extended Family Living. Situated On A Generous 70' X 141' Lot, The Private Backyard Is Beautifully Landscaped With Mature Trees, Shrubs, And Perennial Gardens, And Was Fully Fenced In 2023 To Create A Peaceful Outdoor Retreat. Enjoy Your Morning Coffee On The Expansive Front Porch, Perfectly Positioned To Capture The Morning Sun. The Attached Garage Provides Convenient Parking And Additional Storage. This Is A Rare Opportunity To Own A Beautifully Updated Home In One Of Niagara-On-The-Lake's Most Desirable Neighbourhoods. Come Experience Everything This Exceptional Property Has To Offer!

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Property Summary

This detached home located at 306 Centre Street, Niagara-on-the-Lake is currently for sale and has been available for 2 days. This property is listed at $1,249,900 with an estimated mortgage of $4,160* per month. It has 4 beds, 2 bathrooms, and is 1100-1500 square feet. 306 Centre Street, Niagara-on-the-Lake is in the Town 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 4 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in Town, Niagara-on-the-Lake.

Highly Recommended for Families
What We Love About This Home
  • •4 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?

Growing families needing multi-bedroom flexibility and space in Town, Niagara-on-the-Lake.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$1,249,900
AddedOct 22, 2026 (2 days ago)
UpdatedOct 22, 2026 (2 days ago)
Last Checked15 minutes ago
Transaction TypeFor Sale
List Office NameSOTHEBY'S INTERNATIONAL REALTY, BROKERAGE

Property Details

Property Sub-TypeDetached
Architectural StyleSidesplit
ConstructionBrick, Aluminum Siding
BasementPartial Basement
Lot Size70 Ă— 141 Feet
CountyNiagara
Annual Tax$50,386
Legal DescriptionLT 11 PL 575 ; NIAGARA ON THE LAKE

Parking & Garage

Parking Total3.0
Parking Space2
Garage Parking1.0
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeWater
CoolingCentral Air

Features

Property Features

  • Golf

Interior Features

  • Water Meter

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

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 4-bedroom detached at 306 Centre Street, 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.

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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: $4,160*/month*. Estimated Ontario Land Transfer Tax: $21,473. 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 306 Centre Street, Niagara-on-the-Lake, ON

Q.What is the asking price for 306 Centre Street, Niagara-on-the-Lake, ON ?

The current listing price for 306 Centre Street, Niagara-on-the-Lake, ON in Town, Niagara-on-the-Lake is $1,249,900.

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

This property features 4 bedrooms and 2 bathrooms across approximately 1100-1500 sqft.

Q.What property type and architectural style is 306 Centre Street, Niagara-on-the-Lake, ON ?

306 Centre Street, Niagara-on-the-Lake, ON is a Detached (Sidesplit) featuring a Partial Basement basement.

Q.What key property features does 306 Centre Street, Niagara-on-the-Lake, ON offer?

Key property features include: Golf.

Q.What interior features are included in this home?

Interior highlights include: Water Meter.

Q.What security features are installed at 306 Centre Street, Niagara-on-the-Lake, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 3.0 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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306 Centre Street, Niagara-on-the-Lake, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Town, 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
â–Ľ 6%

Improving vs previous year

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

Formula: (Annual Occurrences / Population) Ă— 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 306 Centre Street, Niagara-on-the-Lake, ON L0S 1J0

Estimated Sales Range
$1,187,000 - $1,225,000

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$374,970 (30.0%)
* Minimum Canadian down payment required for this price is $249,980.
Amortization Period30 Years
Estimated Monthly Payment$4,160Based on a loan of $874,930 over 30 years.
Purchase Price$1,249,900
Loan Amount$874,930
Provincial Land Transfer Tax:$21,473
Total Estimated Closing Taxes:$21,473

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

For a property listed at $1,249,900 in Niagara-on-the-Lake, the legal minimum down payment is $249,980 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 $21,473 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 $21,473.

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Town, Niagara-on-the-Lake Neighborhood Guide

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

Verified Local Data
City Population717,961
City Median Age40.1 Yrs
City Ownership72% Owners
Avg Area List Price$1,524,710

People & Families

Age Distribution

Household Composition

One-person households
22%
Families with children
48%
Couples without children
24%
Other households
6%

Top Ethnic Origins

Indian20%
Chinese10%
Canadian9%
English8%

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

Elementary Schools

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Secondary Schools

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

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied72%
Rented28%

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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.

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