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$549,900
DOM32days1448 Niagara Stone Road · Niagara-on-the-Lake · Ontario L0S 1T0
32 days on market
Welcome to 1448 Niagara Stone Rd, Unit 17 - a spacious 4-bedroom, 4-bathroom condo perfectly situated in the heart of Virgil, in Niagara-on-the-Lake, one of the most sought-after locations in all of Canada. Just moments from the famous Old Town, and steps from charming cafés, fantastic restaurants, and world-class wineries, this home combines convenience with lifestyle in one of Ontario's most desirable communities. The main floor features an open-concept kitchen with a large island, flowing sea…
Could save you thousands on this purchase — closing strategy, negotiation & rebate.
Insufficient comparable sales to generate an estimate. Boost accuracy on MyStreetValue →
Seller signals
No price-drop or motivated-seller signals detected from MLS data we track on this listing.
Property history
Comparable sales
Brokered by: RE/MAX NIAGARA REALTY LTD, BROKERAGE
Source: TRREB/PROPTX · MLS® X13809284
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20%+ down — no CMHC premium
≈ $0.07/ft² × ~1,900 ft² · ON avg ~$75/mo
Typical ON gas-heated home · ~$125/mo
ON municipal avg ~$60/mo
ON internet/TV avg ~$70/mo
1% of value/yr — standard reserve
Landscaping & snow removal · $0 default
$100/mo default · adjust for your home
Optional monitoring · $0 default
From listing or typical fee
Cost composition
Mortgage is 42% of your true cost of ownership. The other 58% surprises most first-time buyers.
Full breakdown
| Mortgage & financing | ||
| Mortgage (P+I) | $25,034 | $2,086/mo |
| Government & taxes | ||
| Property tax | $3,730 | $311/mo |
| Land transfer tax(closing) | $7,473 | $623/mo |
| Insurance & protection | ||
| Home insurance | $1,200 | $100/mo |
| Title insurance(closing) | $400 | $33/mo |
| Utilities | ||
| Hydro / electricity | $900 | $75/mo |
| Gas | $1,500 | $125/mo |
| Water & sewer | $720 | $60/mo |
| Internet / TV / phone | $840 | $70/mo |
| Maintenance & upkeep | ||
| Maintenance reserve (1.0%) | $5,499 | $458/mo |
| Condo fees | ||
| Condo / HOA fees | $7,800 | $650/mo |
| Closing costs (one-time) | ||
| Legal / lawyer(closing) | $2,500 | $208/mo |
| Home inspection(closing) | $600 | $50/mo |
| Moving costs(closing) | $2,000 | $167/mo |
| Total | $60,195 | $5,016/mo |
Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.