DetachedOn market 55 days

12 Centre St, Niagara-on-the-Lake

Name: 12 Centre Street
SKU: X13753634
Price: 2398000 CAD
Availability: InStock

Niagara-on-the-Lake, ON · · MLS® X13753634Updated September 8, 2026

$2,398,000Est. $11,781/mo mortgage

Bedrooms: 4
Bathrooms: 4
Living space: 2500–3000sq ft
Parking spaces: 7

Type Detached
Lot 212.49 × 100.2
Basement Finished, Full

What you should know

12 Centre St is a 4-bedroom, 4-bathroom detached home in Niagara-on-the-Lake, listed for $2,398,000. It has 2500-3000 sq ft of living space.

An impressive converted coach house residence situated on a desirable half acre lot with panoramic ravine and garden views.
This cherished home is rich in character and offers over 4300 square feet of finished interior living space spread over 3 stories.
Features include high beamed ceilings, skylights allowing for maximum light, pine plank flooring, stone and brick fireplaces and several walk-outs to balconies and decks overlooking the lush property.

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4 Bed, 4 Bath Detached Home in Niagara-on-the-Lake

About 12 Centre Street

An impressive converted coach house residence situated on a desirable half acre lot with panoramic ravine and garden views. This cherished home is rich in character and offers over 4300 square feet of finished interior living space spread over 3 stories. Features include high beamed ceilings, skylights allowing for maximum light, pine plank flooring, stone and brick fireplaces and several walk-outs to balconies and decks overlooking the lush property. Quality materials and fine amenities create a comfortable main floor living space comprised of formal living and dining rooms, custom kitchen with large center island, relaxed family room with wall of windows, powder room and luxury primary bedroom suite with walk-in closet. The upper level offers three bedroom suites ideal for family and guests. The lower level is at ground level and is fully finished to include spacious rec room with wet bar, two additional guest bedrooms, office, laundry and 3 piece bathroom. Welcoming back deck offers full enjoyment of the tranquil surroundings and several balconies oversee the spectacular outdoor landscape including concrete patio, pond, pergola, garden shed, stone staircase, extensive gardens, mature trees, ravine, curving interlocked drive and ample parking. Located in a central old town location only steps away from main street shops, restaurants and theatres.

4 bedrooms, 4 bathrooms, about 2,500 sq ft, works out to roughly $959 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.

Inside 12 Centre St

Every detail from the listing, in one place.

Type: Detached
Style: 2-Storey
Living space: 2500-3000 sq ftas stated on the listing
Lot size: 212.49 x 100.2
Parking: 7 spaces
Basement: Finished, Full

Features & systems

Parking & garage

Parking spaces: 7

Interior

Basement: Finished · Full

Lot & land

Lot dimensions: 212.49 x 100.2
Lot size (sqft): 0

Listing & possession

Property style: 2-Storey
Property class: Detached

12 Centre St Price & Sale History

Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.

Sep 7, 2026For saleListedThis listingMLS® X13753634$2,398,000

Sourced from MLS®. Includes earlier listings of this property on record.

What's it worth?

How 12 Centre St Compares to the Niagara-on-the-Lake Market

Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.

Zara’s estimate

Well Above Market· based on 232 recent sales

Value your own home →How accurate are Zara’s estimates?

Summitly estimate, not from TRREB, the MLS® or the listing brokerage. Not an appraisal. How it works

Niagara-on-the-Lake market, last 90 days

Median sold price: $1,000,000
Average sold price: $1,180,885
Average days on market: 59
Homes sold: 147

Closed sales on the TRREB MLS®.

Full Niagara-on-the-Lake market report

Recently sold nearby in Niagara-on-the-Lake

Sold prices are shown free to signed-in members, as board rules require.

6 nearby sales vs. this home

Closed sales from MLS®, compared with this home's asking price.

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Home	Sold price	$ / sqft	% of asking	Sold
This home12 Centre Street 4 bd · 4 ba · 2,500 sqft	$2,398,000asking	$959	—	—
15906 Niagara Parkway 5 bd · 2 ba · 3,500 sqft
20 Shakespeare Avenue 3 bd · 4 ba · 2,500 sqft
326 Concession 3 Road 3 bd · 2 ba · 2,500 sqft
14 Hearth Court 5 bd · 3 ba · 2,000 sqft
20 Vincent Avenue 3 bd · 2 ba · 1,500 sqft
18 Harmony Drive 4 bd · 3 ba · 1,500 sqft

15906 Niagara Parkway
5 bd · 2 ba · 3,500 sqft
20 Shakespeare Avenue
3 bd · 4 ba · 2,500 sqft
326 Concession 3 Road
3 bd · 2 ba · 2,500 sqft
14 Hearth Court
5 bd · 3 ba · 2,000 sqft
20 Vincent Avenue
3 bd · 2 ba · 1,500 sqft
18 Harmony Drive
4 bd · 3 ba · 1,500 sqft

Living in Niagara-on-the-Lake: Location & Amenities

Transit, schools, parks and everyday places near this home. Select any place to open it on Google Maps.

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Costs, Mortgage & Rental Return for 12 Centre St

What it could cost each month, today's rates from our mortgage partner, and what it could return as a rental.

Mortgage: $11,781; 20% down · 25 years · 5.5% assumed
Property tax: $1,319; 0.66% mill rate · ON
Total per month: $13,100; Before utilities, insurance and fees

Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

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Monthly cost

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Down payment

Rate (%)

Years

An estimate, not a quote. Utilities and insurance are extra.

Affordability calculator

Estimated monthly payment

$11,781

/mo

based on the purchase price of $2,398,000

Down payment20%

$479,600 cash

Amortization25 yr

$1,918,400 financed

Rate5.50%

$1,615,796 total interest

Principal54%$1,918,400

Interest46%$1,615,796

20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.

Rental income potential

Est. monthly rent

low–high

Gross yield

rent × 12 ÷ price

Cap rate (est.)

net of tax + fees

Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.

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Listing brokerage: NIAGARA-ON-THE-LAKE REALTY (1994) LTD, BROKERAGEMLS® X13753634 · Listing data last updated September 8, 2026

Listing data comes from the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but not guaranteed. Shown on Summitly by Coldwell Banker Summit Realty, Brokerage, which is not the listing brokerage. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose. © 2026 Toronto Regional Real Estate Board. All rights reserved.

Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

For sale· listed Sep 6· $959/sq ft

Estimated monthly mortgage$11,781/moMortgage only · 20% down · 5.5% assumed

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5.0 · Google rating for Coldwell Banker Summit Realty, Brokerage · as of September 2026

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