3 Bed, 1 Bath Detached Home in Niagara-on-the-Lake
About 639 Penner Street
Nestled in the heart of Virgil, this stunning side-split home sits on a spacious 70 x 290 lot. A large driveway welcomes you, offering plenty of room for all your vehicles. Inside, the country kitchen and dinette are bathed in natural light from expansive windows. The living room features a cozy wood fireplace and a door leading to the back patio. The first bedroom is conveniently located off the main hallway on the main level. Just three steps up, you'll find the bathroom and two additional bedrooms. The partial basement includes utilities, laundry, storage, and a door leading to a walk-up outside. Out back, a covered porch overlooks the expansive yard and creek, providing a serene retreat. This 10/10 location is the perfect place to call home! As a bonus, this property is a licensed Airbnb, offering great investment potential on top of its charm.
3 bedrooms, 1 bathroom, about 1,100 sq ft, works out to roughly $608 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 639 Penner St
Every detail from the listing, in one place.
Type
Detached
Style
Sidesplit
Living space
1100-1500 sq ftas stated on the listing
Parking
6 spaces
Basement
Partial Basement
Features & systems
Parking & garage
Parking spaces
6
Interior
Basement
Partial Basement
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Sidesplit
Property class
Detached
639 Penner St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14005826$669,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 639 Penner 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.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$3,287
/mo
based on the purchase price of $669,000
$133,800 cash
$535,200 financed
$450,779 total interest
Principal54%$535,200
Interest46%$450,779
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.
For homeowners nearby
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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.
Similar homes for sale nearby in Niagara-on-the-Lake
Other 2–3 bed homes for sale in Niagara-on-the-Lake around $669K.
Average days on market57Homes sold in about 57 days on average.
Sale-to-list ratio95.3%On average, homes sold below asking.
Active listings274Homes for sale here right now.
Median vs prior 90 days+3.4%Compared with Apr 16 – Jul 15, 2026: prices up.
Based on 169 sales from Jul 15 – Oct 13, 2026 (76 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 639 Penner St
How much is 639 Penner St listed for?
639 Penner St is listed at $669,000 (MLS® X14005826). Summitly updates the price as soon as the MLS® record changes.
Is $669,000 a good price for 639 Penner St?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in Niagara-on-the-Lake. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 639 Penner St changed?
No — 639 Penner St is still listed at its original asking price of $669,000.
How many bedrooms and bathrooms does 639 Penner St have?
639 Penner St has 3 bedrooms and 1 bathroom, with about 1,100–1,500 square feet of living space. It is a detached home in Niagara-on-the-Lake.
How much would the monthly mortgage be on 639 Penner St?
About $3,287 a month — principal and interest on $669,000 with 20% down ($133,800), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 639 Penner St compare with other homes in Niagara-on-the-Lake?
Its asking price of $669,000 is about 34% below the median sold price in Niagara-on-the-Lake over the last 90 days, $1,020,000, across 169 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 639 Penner St been sold before?
Summitly has no earlier MLS® sale or lease of 639 Penner St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 639 Penner St?
639 Penner St is in Niagara-on-the-Lake, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 639 Penner St been on the market?
4 days — 639 Penner St was listed on October 9, 2026.
What is the price per square foot of 639 Penner St?
About $446 to $608 per square foot: the asking price of $669,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 639 Penner St have parking or a garage?
Yes — the listing gives 6 parking spaces.
Does 639 Penner St have a basement, and is it finished?
The listing describes the basement as: Partial Basement.
