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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

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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 21 days

    146 Four Mile Creek Road

    St. Davids·Niagara-on-the-Lake, ON·L0S 1J0·Near York Rd

    • 3 beds
    Niagara-on-the-Lake real estate›X13501396
    • 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

    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.

    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
    Jun 26, 2026ListedCurrentFor sale$1,099,000 —X13501396This page
    Jan 21, 2026Previously listedExp$1,199,000 —X12722994View
    Dec 4, 2024Previously listedExp$1,399,800 —X11880924View
    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

      5
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      1
      Water source
    Location & lifestyle

    Getting around, schools & the block

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

    📍 146 Four Mile Creek Road
    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
    $5,399
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $367
    0.40% 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
      $1,168,242
      Last 30 days
    • Median sold price
      $1,050,000
      Middle of the market
    • Days on market
      50 d
      Avg from list to close
    • Closed last 30d
      105
      MLS® transactions
    Full Niagara-on-the-Lake market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 146 Four Mile Creek Road — 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 146 Four Mile Creek Road 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 146 Four Mile Creek Road listed for?

      146 Four Mile Creek Road is listed at $1,099,000 on the MLS® (listing X13501396). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 146 Four Mile Creek Road 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. 4 baths
  2. 1500-2000 sqft
  3. Detached
  4. Asking
    $1,099,000
    $0 / sqft · MLS® X13501396
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,168,242
    $1,074,783Confidence range$1,261,701
    Asking vs estimate
    ≈in-line
    −$69,242
    (-5.9%)
    Asking is in line
    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 50 days — this one has been listed 21 days.

    Avg sold price
    $1,168,242
    Median sold
    $1,050,000
    Avg days on market
    50
    Recently sold
    105
    See comparable sales
    AI highlights by Zara
    • 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.
    • The kitchen and bathrooms were refreshed (2021), complemented by a complete set of newer kitchen appliances.
    • 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.
    Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  6. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    2
    Parking spaces
    8
    Driveway
    Private
  7. Interior

    4
    Basement
    Full, Walk-Out, Finished with Walk-Out
    Family room
    Y
    Kitchens
    1
    Total rooms
    9
  8. Exterior & construction

    4
    Exterior
    Stucco (Plaster), Stone
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Pool
    Inground
  9. Lot & land

    1
    Zoning
    R1
  10. Listing & possession

    3
    Possession
    2026-08-31T00:00:00.000-00:00
    Property style
    Sidesplit 4
    Property class
    Detached
  11. Room-by-room · 13 rooms

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

    Room dimensions

    Main level

    4 rooms
    • Kitchen
      10.8 × 10.8 ft
    • Living Room
      18.0 × 13.8 ft
    • Dining Room
      21.0 × 10.8 ft
    • Bathroom
      0.0 × 0.0 ft

    Second level

    5 rooms
    • Bathroom
      0.0 × 0.0 ft
    • Primary Bedroom
      19.0 × 11.8 ft
    • Bedroom 2
      10.8 × 8.9 ft
    • Bedroom 3
      10.8 × 15.1 ft
    • Bathroom
      0.0 × 0.0 ft

    Lower level

    1 room
    • Family Room
      23.0 × 10.8 ft

    Basement level

    3 rooms
    • Great Room
      31.8 × 10.8 ft
    • Bedroom 4
      11.8 × 8.9 ft
    • Bathroom
      0.0 × 0.0 ft
    Combined estimate
    $5,766
    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
    $5,399
    /mo
    based on the purchase price of $1,099,000
    $219,800 cash
    $879,200 financed
    $740,517 total interest
    Monthly payment$5,399/ month
    Principal54%$879,200
    Interest46%$740,517

    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.

    • 27 Oak Drive
      Sold
      Sign in for price
      27 Oak Drive
      Detached
    • 4 Firelane 6B Road
      Sold
      Sign in for price
      4 Firelane 6B Road
      Detached
    • 14 Hearth Court
      Sold
      Sign in for price
      14 Hearth Court
      Detached
    • 202 Anne Street
      Sold
      Sign in for price
      202 Anne Street
      Detached
    • 130 Loretta Drive
      Sold
      Sign in for price
      130 Loretta Drive
      Detached
    • 3 Fedorkow Lane
      Sold
      Sign in for price
      3 Fedorkow Lane
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    146 Four Mile Creek RoadThis home3 / 415,002,000$1,099,000ask———
    27 Oak Drive3 / 41,500—
    4 Firelane 6B Road3 / 32,500—
    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.

    • 46 Melrose Drive
      $1,188,000
      46 Melrose Drive
      Detached 3 3
    • 39 PLATOFF STREET
      $1,147,500
      39 PLATOFF STREET
      Detached 2 2
    • 318 Concession 3 Road
      $899,900
      318 Concession 3 Road
      Detached 3 3
    • 374 Niagara Stone Road
      $1,195,000
      374 Niagara Stone Road
      Detached 5 3
    • 18 Harmony Drive
      $1,049,000
      18 Harmony Drive
      Detached 4 3
    • 15 Fisher Drive
      $879,900
      15 Fisher Drive
      Detached 2 3
    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.

  12. One team, no handoffs

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

  13. Showings on YOUR schedule

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

  14. Mortgage that closes

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

  15. Public listing courtesy of ROYAL LEPAGE NRC REALTY · displayed on Summitly per MLS® data-share rules

    146 Four Mile Creek Road is a 3-bedroom, 4-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  16. When was 146 Four Mile Creek Road built?

    The year built for 146 Four Mile Creek Road isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  17. What is the property tax for 146 Four Mile Creek Road?

    The 'Property tax' tab in the History section shows the most recent annual tax for 146 Four Mile Creek Road plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  18. How much would the monthly mortgage be on 146 Four Mile Creek Road?

    The affordability calculator on this page shows an estimated monthly mortgage for $1,099,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  19. Has 146 Four Mile Creek Road been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 146 Four Mile Creek Road with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  20. What neighbourhood is 146 Four Mile Creek Road in?

    146 Four Mile Creek Road is in St. Davids, 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.

  21. 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.

  22. 14 Hearth Court
    5 / 4
    2,000
    —
    202 Anne Street5 / 52,500—
    130 Loretta Drive3 / 21,100—
    3 Fedorkow Lane3 / 52,500—