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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 Listed 2 days ago

    28 Cottage Street

    Town·Niagara-on-the-Lake, ON·L0S 1J0·Near cottage and king street

    • 4 beds
    Niagara-on-the-Lake real estate›X13490744
    • 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

    Welcome To 28 Cottage Street, A Single-Family Luxury Bungalow Located In The Heart Of Royal Albion Welcome to one of the most extraordinary homes in Niagara-on-the-Lake. This one-of-a-kind 4-bedroom, 3-bath residence by Gatta Homes showcases the timeless architectural details and exceptional craftsmanship the builder is renowned for. Offering over 4,540 sq. ft. of luxurious living space, the home features state-of-the-art smart home technology that seamlessly controls lighting, climate, audio, and security from the touch of your fingertips.Designed for the future, this remarkable home is equipped with geothermal heating and cooling, solar panels, an electric vehicle charging hookup, and a Tesla battery backup system for efficient, sustainable living. Experience unmatched comfort year-round with radiant in-floor heating throughout every level of the home, including the basement, as well as a fully heated driveway for effortless winter living.A fully equipped elevator provides convenient access to every level, including the lower level, which features 9-foot ceilings, two bedrooms, a custom wine cellar, and a spectacular 5-piece spa-inspired bathroom complete with privacy glass, a steam shower, and a sauna. Every detail has been thoughtfully curated to deliver an unparalleled lifestyle. This is a truly breathtaking home that must be experienced to be appreciated.

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

    AI highlights by Zara
    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 25, 2026ListedCurrentFor sale$4,499,000 —X13490744This page
    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
      Other
      Air conditioning
      Other
      Fireplaces
      2
      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.

    📍 28 Cottage Street
    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
    $22,102
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $997
    0.27% 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
      $1,153,279
      Last 30 days
    • Median sold price
      $1,020,000
      Middle of the market
    • Days on market
      52 d
      Avg from list to close
    • Closed last 30d
      91
      MLS® transactions
    Full Niagara-on-the-Lake market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 28 Cottage Street — 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 28 Cottage Street 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 28 Cottage Street listed for?

      28 Cottage Street is listed at $4,499,000 on the MLS® (listing X13490744). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 28 Cottage Street 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. 3 baths
  2. 2500-3000 sqft
  3. Detached
  4. Built New
  5. Asking
    $4,499,000
    $0 / sqft · MLS® X13490744
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $1,360,869
    $1,252,000Confidence range$1,469,739
    Asking vs estimate
    ↑↑well-above
    +$3,138,131
    (+230.6%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 4 bedrooms (no sqft on file).

    Market analytics

    Homes like this in Niagara-on-the-Lake sell in about 52 days — this one has been listed 2 days.

    Avg sold price
    $1,153,279
    Median sold
    $1,020,000
    Avg days on market
    52
    Recently sold
    91
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    • Every detail has been thoughtfully curated to deliver an unparalleled lifestyle.
    • This is a truly breathtaking home that must be experienced to be appreciated.
    Ask Zara a follow-up
    Municipal
    Sewer
    Sewer
  7. Parking & garage

    4
    Garage
    Attached
    Garage spaces
    2
    Parking spaces
    6
    Driveway
    4
  8. Interior

    6
    Basement
    Full
    Family room
    Y
    Kitchens
    1
    Total rooms
    21
    Laundry level
    Main Level
    Elevator
    Y
  9. Exterior & construction

    4
    Exterior
    Stone, Stucco (Plaster)
    Roof
    Slate, Other
    Foundation
    Concrete
    Pool
    None
  10. Lot & land

    1
    Year built
    New
  11. Listing & possession

    3
    Possession
    2026-07-31T00:00:00.000-00:00
    Property style
    Bungalow
    Property class
    Detached
  12. Room-by-room · 18 rooms

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

    Room dimensions

    Main level

    10 rooms
    • Bedroom
      12.2 × 14.9 ft
    • Primary Bedroom
      28.0 × 15.0 ft
    • Kitchen
      16.2 × 13.0 ft
    • Great Room
      27.5 × 18.0 ft
    • Foyer
      0.0 × 0.0 ft
    • Dining Room
      15.0 × 14.0 ft
    • Den
      13.7 × 12.5 ft
    • Pantry
      8.8 × 9.0 ft
    • Laundry
      8.5 × 7.1 ft
    • Mud Room
      11.7 × 9.0 ft

    Lower level

    8 rooms
    • Other
      12.8 × 30.0 ft
    • Bedroom
      13.8 × 13.8 ft
    • Media Room
      15.9 × 15.0 ft
    • Recreation
      21.7 × 32.9 ft
    • Other
      9.7 × 7.7 ft
    • Bedroom
      13.8 × 13.0 ft
    • Other
      16.2 × 13.8 ft
    • Other
      18.8 × 16.3 ft
    Combined estimate
    $23,099
    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
    $22,102
    /mo
    based on the purchase price of $4,499,000
    $899,800 cash
    $3,599,200 financed
    $3,031,471 total interest
    Monthly payment$22,102/ month
    Principal54%$3,599,200
    Interest46%$3,031,471

    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.

    • 15 Upper Canada Drive
      Sold
      Sign in for price
      15 Upper Canada Drive
      Detached
    • 15 Diana Drive
      Sold
      Sign in for price
      15 Diana Drive
      Detached
    • 12 Sheppard Crescent
      Sold
      Sign in for price
      12 Sheppard Crescent
      Detached
    • 3 Fisher Drive
      Sold
      Sign in for price
      3 Fisher Drive
      Detached
    • 97 BROCK Street
      Sold
      Sign in for price
      97 BROCK Street
      Detached
    • 36 Confederation Drive
      Sold
      Sign in for price
      36 Confederation Drive
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    28 Cottage StreetThis home4 / 325,003,000$4,499,000ask———
    15 Upper Canada Drive4 / 21,500—
    15 Diana Drive3 / 42,000—
    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.

    • 15886 Niagara Parkway
      $3,649,900
      15886 Niagara Parkway
      Detached 4 4
    • 4 Firelane 6B Road
      $4,299,000
      4 Firelane 6B Road
      Detached 3 3
    • 217 Butler Street
      $4,750,000
      217 Butler Street
      Detached 5 6
    • 2005 York Road
      $3,925,000
      2005 York Road
      Detached 3 4
    • 94 PRIDEAUX Street
      $3,650,000
      94 PRIDEAUX Street
      Detached 4 4
    • 28 PRIDEAUX Street
      $4,495,700
      28 PRIDEAUX Street
      Detached 6 7
    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.

  13. One team, no handoffs

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

  14. Showings on YOUR schedule

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

  15. Mortgage that closes

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

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

    28 Cottage Street is a 4-bedroom, 3-bath, 2500-3000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 28 Cottage Street built?

    28 Cottage Street was built in New. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  18. What is the property tax for 28 Cottage Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 28 Cottage Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 28 Cottage Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $4,499,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 28 Cottage Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 28 Cottage Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 28 Cottage Street in?

    28 Cottage Street is in Town, 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.

  22. 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.

  23. 12 Sheppard Crescent
    3 / 2
    1,500
    —
    3 Fisher Drive3 / 32,500—
    97 BROCK Street3 / 42,000—
    36 Confederation Drive4 / 32,000—