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Coldwell Banker Summit Realty

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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, 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 trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 49 daysPrice drop · $15,000 off (-1.7%)

    130 Loretta Drive

    Virgil·Niagara-on-the-Lake, ON·L0S 1T0·Near Bianca

    • 3 beds
    Niagara-on-the-Lake real estate›X13155300
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Tucked into one of Virgil's most desirable family-friendly communities, this custom-built raised bungalow offers the perfect blend of comfort, functionality, and pride of ownership. Lovingly maintained by only two owners, every inch of this home reflects exceptional care and thoughtful design. Set on a quiet, tree-lined street surrounded by beautifully kept homes, the curb appeal is undeniable with its exposed concrete driveway, double-car garage, and inviting exterior. Inside, the bright and spacious layout is ideal for both everyday living and entertaining. The main floor features 3 bedrooms, including a generous primary retreat complete with double closets and a walk-in closet, while the centrally located full bath adds convenience for family living. The warm oak kitchen with eat-in dining area opens through patio doors to a raised composite deck - the perfect setting for summer BBQs, morning coffee, or evenings overlooking the private backyard. Downstairs, the fully finished lower level offers incredible additional living space with a large open-concept recreation room featuring 9-foot ceilings, a cozy gas fireplace, and oversized rear-facing windows that flood the space with natural light. An additional bedroom or office, full bathroom, and spacious laundry room make this level ideal for guests, extended family, or work-from-home flexibility. The backyard is a lush green canvas ready for your vision - whether it's a garden oasis, pool, or a peaceful space for children and pets to enjoy. Located just steps to parks, walking trails, and cycling paths, this is the kind of home and neighborhood buyers wait for in the heart of Virgil.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Jul 13, 2026Price reducedCurrentReduced$849,900−$15,000 (1.7%)X13155300This page
    May 21, 2026ListedCurrentFor sale$864,900 —X13155300This page
    Oct 1, 2024Previously listedTer$979,900 —X9414663View
    Oct 1, 2024Previously listedExp$969,900 —X9375835View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 130 Loretta Drive
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $4,175
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $428
    0.60% mill rate · ON
    The market

    How this home sits in the Niagara-on-the-Lake market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The Niagara-on-the-Lake market right now

    Average sold price, days on market, and closed-transaction count for Niagara-on-the-Lake — sourced from MLS®.

    • Avg sold price
      $1,161,876
      Last 30 days
    • Median sold price
      $1,020,000
      Middle of the market
    • Days on market
      51 d
      Avg from list to close
    • Closed last 30d
      106
      MLS® transactions
    Full Niagara-on-the-Lake market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 130 Loretta Drive — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 130 Loretta Drive and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 130 Loretta Drive listed for?

      130 Loretta Drive is listed at $849,900 on the MLS® (listing X13155300). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 130 Loretta Drive have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. 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.

  1. 2 baths
  2. 1100-1500 sqft
  3. Detached
  4. Asking
    $849,900
    $0 / sqft · MLS® X13155300
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,161,876
    $1,068,926Confidence range$1,254,826
    Asking vs estimate
    ↓below
    −$311,976
    (-26.9%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Niagara-on-the-Lake sell in about 51 days — this one has been listed 49 days.

    Avg sold price
    $1,161,876
    Median sold
    $1,020,000
    Avg days on market
    51
    Recently sold
    106
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • Tucked into one of Virgil's most desirable family-friendly communities, this custom-built raised bungalow offers the perfect blend of comfort, functionality, and pride of ownership.
    • Inside, the bright and spacious layout is ideal for both everyday living and entertaining.
    • The warm oak kitchen with eat-in dining area opens through patio doors to a raised composite deck - the perfect setting for summer BBQs, morning coffee, or evenings overlooking the private backyard.
    • The backyard is a lush green canvas ready for your vision - whether it's a garden oasis, pool, or a peaceful space for children and pets to enjoy.
    Ask Zara a follow-up
    Sewer
  6. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    2
    Parking spaces
    6
    Driveway
    Private Double
  7. Interior

    5
    Basement
    Full, Finished
    Family room
    N
    Kitchens
    1
    Total rooms
    7
    Laundry level
    Lower Level
  8. Exterior & construction

    4
    Exterior
    Brick, Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Pool
    None
  9. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Bungalow-Raised
    Property class
    Detached
  10. Room-by-room · 7 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    5 rooms
    • Living Room
      19.0 × 13.0 ft
    • Primary Bedroom
      12.9 × 12.0 ft
    • Bedroom
      11.1 × 9.7 ft
    • Kitchen
      21.0 × 11.0 ft
    • Bedroom
      10.9 × 9.8 ft

    Basement level

    2 rooms
    • Recreation
      33.0 × 16.0 ft
    • Bedroom
      11.7 × 7.8 ft
    Combined estimate
    $4,603
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $4,175
    /mo
    based on the purchase price of $849,900
    $169,980 cash
    $679,920 financed
    $572,671 total interest
    Monthly payment$4,175/ month
    Principal54%$679,920
    Interest46%$572,671

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

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in Niagara-on-the-Lake

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 202 Anne Street
      Sold
      Sign in for price
      202 Anne Street
      Detached
    • 3 Fedorkow Lane
      Sold
      Sign in for price
      3 Fedorkow Lane
      Detached
    • 202 Hunter Road
      Sold
      Sign in for price
      202 Hunter Road
      Detached
    • 199 Niagara Street
      Sold
      Sign in for price
      199 Niagara Street
      Detached
    • 672 East West Line
      Sold
      Sign in for price
      672 East West Line
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    130 Loretta DriveThis home3 / 211,001,500$849,900ask———
    202 Anne Street5 / 52,500—
    3 Fedorkow Lane3 / 52,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in Niagara-on-the-Lake

    Active listings within ±20% of this asking price.

    • 1209 Line 3 Road
      $949,000
      1209 Line 3 Road
      Detached 3 2
    • 326 Concession 3 Road
      $975,000
      326 Concession 3 Road
      Detached 3 3
    • 316 Concession 3 Road
      $839,900
      316 Concession 3 Road
      Detached 3 3
    • 948 Line 3 Road
      $848,000
      948 Line 3 Road
      Detached 2 3
    • 46 Pinot Trail
      $900,000
      46 Pinot Trail
      Detached 4 3
    • 428 Line 2 Road
      $975,000
      428 Line 2 Road
      Detached 4 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  11. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  12. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  13. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  14. Public listing courtesy of REVEL Realty Inc., Brokerage · displayed on Summitly per MLS® data-share rules

    130 Loretta Drive is a 3-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  15. When was 130 Loretta Drive built?

    The year built for 130 Loretta Drive isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  16. What is the property tax for 130 Loretta Drive?

    The 'Property tax' tab in the History section shows the most recent annual tax for 130 Loretta Drive plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  17. How much would the monthly mortgage be on 130 Loretta Drive?

    The affordability calculator on this page shows an estimated monthly mortgage for $849,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  18. Has 130 Loretta Drive been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 130 Loretta Drive with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  19. What neighbourhood is 130 Loretta Drive in?

    130 Loretta Drive is in Virgil, Niagara-on-the-Lake. The 'Neighbourhood' section below links to the live Niagara-on-the-Lake real estate hub with average sold price, days on market, and current inventory.

  20. Is Niagara-on-the-Lake a good place to live?

    Niagara-on-the-Lake is one of ON's actively-tracked Summitly markets. The full Niagara-on-the-Lake real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  21. 202 Hunter Road
    2 / 3
    1,100
    —
    199 Niagara Street3 / 52,000—
    672 East West Line3 / 1700—