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105 - St. Davids, Niagara-on-the-Lake
$1,099,000
Prime Niagara-on-the-Lake (St. David's)! A rare opportunity to own a beautifully updated home on an impressive 103 ft x 180 ft lot in one of NOTL's most desirable neighbourhoods. This bright and welcoming 4 bedroom, 3.5 bathroom residence offers over 2,500 sq ft of finished living space, featuring large windows that flood the home with natural light and warmth throughout.Currently operating as a licensed Airbnb, this property provides excellent potential for investors or buyers seeking a turnkey short-term rental in a world-class destination.Extensive upgrades include new asphalt driveway (2021), garage concrete pad (2021), garage door, new windows (2021), stucco exterior (2021), and a 200-amp electrical panel. The kitchen and bathrooms were refreshed (2021), complemented by a complete set of newer kitchen appliances. Major mechanical improvements include an owned hot water tank (2023) and owned heat pump (2023).Step outside to enjoy a large inground pool, perfect for summer entertaining and relaxing. Pool updates include a repainted pool, new piping, and new skimmer (2024).Enjoy the convenience of a double car garage plus 6 additional parking spaces (8 total). The outdoor setting is low-maintenance and offers beautiful open neighbourhood views. The spacious primary bedroom features a 3-piece ensuite and a private balcony overlooking the clear view-perfect for morning coffee or evening relaxation.Just minutes to award-winning wineries, golf, and the charm of historic Niagara-on-the-Lake.
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| Type | Detached |
| Style | Sidesplit 4 |
| Approx. Age | Not available |
| Size | 1500-2000 sq. ft. |
| Property Tax | $4,410 |
| Lot Size | 102.9 ft x 180.1 ft |
| mls© Number | X13501396 |
| Listed By | ROYAL LEPAGE NRC REALTY |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $5,625
- Property tax
- $367
- Heat allowance
- $150
- Housing costs
- $6,143 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$189,000
gross annual household income
- Payment at 4%
- $4,625 / mo
- Cash down
- $219,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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