655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0
101 - Town, Niagara-on-the-Lake · Near John/Niagara · View map
About this home
Classic Niagara-on-the-Lake charm, beautiful gardens, and pride of ownership welcome you to 655 Charlotte Street. Located in sought-after Old Town, this lovingly maintained 3-bedroom, 2.5-bathroom home offers timeless character and everyday comfort. Framed by mature trees and beautifully landscaped gardens, its handsome brick exterior, charming dormers, and covered entrance create an inviting first impression.The main-floor primary bedroom adds convenience and flexibility, while two additional bedrooms provide space for family, guests, or a home office. A large unfinished basement offers a blank canvas to suit your needs, whether you envision a recreation room, home gym, hobby space, or additional living area. An attached double garage adds everyday practicality.Outside, enjoy the thoughtfully tended gardens and a deck updated approximately three years ago-an ideal setting for morning coffee, outdoor dining, and relaxed evenings with friends and family. Close to the Heritage Trail, Old Town shops and restaurants, and the Shaw Festival Theatre, this home puts the best of Niagara-on-the-Lake within easy reach. A charming, well-cared-for home ready for its next chapter.
The home
- Type
- 2-storey detached home
- Style
- 2-Storey
- Square footage
- 2000-2500 sq ft
- Bedrooms
- 3
- Bathrooms
- 3
- Kitchens
- 1
- Rooms
- 9
- Basement
- Full, Unfinished
- Lot size
- 60 x 120.1 ft
- Faces
- North
- Approximate age
- 16-30 years
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
- Exterior
- Brick
Heating & cooling
- Heating fuel
- Gas
- Heating type
- Forced Air
- Air conditioning
- Central Air
- Fireplace
- Yes
Garage & parking
- Garage
- Attached
- Garage spaces
- 2
- Driveway spaces
- 6
- Total parking
- 8
Taxes & other
- Property taxes
- $9,455/yr
- Tax year
- 2026
- Occupancy
- Owner
- Possession
- FLEXIBLE
- Cross street
- John/Niagara
- Neighbourhood
- 101 - Town
More
- Price per sq ft
- ~$667 (at 2,250 sq ft)
- MLS® number
- X13876812
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The home and its surroundings
- Primary Bedroom - Main Floor
- Arts Centre
- Golf
- Rec./Commun.Centre
- School Bus Route
- Park
- Greenbelt/Conservation
- Porch
- Landscaped
- Mortgage
- Property tax
- Maintenance fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
655 Charlotte Street, Niagara-on-the-Lake, ON L0S 1J0
101 - Town, Niagara-on-the-Lake · Near John/Niagara
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Listing history for 655 Charlotte Street
See what this home and others at the same address were listed for, what they sold for, and how long it took.
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Frequently asked questions about 655 Charlotte Street
Answers come straight from this home’s MLS® listing.
How much is 655 Charlotte Street listed for, and what would it cost each month?
655 Charlotte Street is listed for $1,499,999. With 20% down ($300,000), the mortgage payment would be roughly $6,051 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $6,838 a month, all in. That figure is an illustration, not a quote.
Is 655 Charlotte Street freehold or a condo, and is there a monthly fee?
655 Charlotte Street is a 2-storey detached home in 101 - Town, Niagara-on-the-Lake. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, so the roof, windows, driveway, snow and lawn are yours to look after.
How many bedrooms and bathrooms does 655 Charlotte Street have?
655 Charlotte Street has 3 bedrooms and 3 bathrooms.
Does 655 Charlotte Street have a garage and parking?
Yes. The listing shows the garage as attached, with room for 2 cars. The driveway adds 6 spaces. In total the listing counts 8 parking spaces.
Does 655 Charlotte Street have a finished basement?
The listing describes the basement as full, unfinished.
What style of home is 655 Charlotte Street?
655 Charlotte Street is a 2-storey detached home. A 2-storey detached house has its living space on the main floor and the bedrooms upstairs, on its own lot with no shared walls.
How big is 655 Charlotte Street, and what is the lot size?
The listing puts the home between 2,000 and 2,500 sq ft. The board reports a range rather than an exact figure, and it usually leaves out the basement. The lot is listed as 60 x 120.1 ft.
How is 655 Charlotte Street heated and cooled?
Heating is forced air (gas). Cooling is central air.
What are the property taxes for 655 Charlotte Street?
Property taxes are $9,455 a year (2026), or about $788 a month.
Where is 655 Charlotte Street?
655 Charlotte Street is in the 101 - Town community of Niagara-on-the-Lake. The nearest main intersection is John/Niagara. The postal code is L0S 1J0.
Is 655 Charlotte Street still for sale?
Yes. It is an active listing (MLS® X13876812). Listings here update from the board through the day and come down once a home sells.
What are similar detached homes near 655 Charlotte Street asking?
Similar detached homes for sale nearby right now include 40 Harmony Drive at $1,485,000 (3 bed), 3 The Promenade at $1,595,000 (3+1 bed) and 4 Meritage Lane at $1,785,000 (3+1 bed). These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 655 Charlotte Street sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 655 Charlotte Street?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-931-3923.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar detached homes nearby
More detached homes for sale near 101 - Town, picked by style, size and price.
2-storey detached home$1,485,00040 Harmony Drive, Niagara-on-the-Lake3 bed · 3 bath · 101 - TownCourtesy of: ROYAL LEPAGE NRC REALTYView home →
2-storey detached home$1,595,0003 The Promenade, Niagara-on-the-Lake3+1 bed · 4 bath · 101 - TownCourtesy of: RE/MAX ESCARPMENT REALTY INC.View home →
2-storey detached home$1,785,0004 Meritage Lane, Niagara-on-the-Lake3+1 bed · 4 bath · 101 - TownCourtesy of: RIGHT AT HOME REALTYView home →Courtesy of: RE/MAX NIAGARA REALTY LTD, BROKERAGE
Listing information comes from the Toronto Regional Real Estate Board through PropTx and is deemed reliable but is not guaranteed accurate. It is provided for consumers' personal, non-commercial use. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax. For illustration only.