655 Charlotte St is a 3-bedroom, 2-bathroom detached home in Niagara-on-the-Lake, listed for $1,499,999. It has 2000-2500 sq ft of living space.
1Classic Niagara-on-the-Lake charm, beautiful gardens, and pride of ownership welcome you to 655 Charlotte Street.
2A large unfinished basement offers a blank canvas to suit your needs, whether you envision a recreation room, home gym, hobby space, or additional living area.
3A charming, well-cared-for home ready for its next chapter.
3 Bed, 2 Bath Detached Home in Niagara-on-the-Lake
About 655 Charlotte Street
Classic Niagara-on-the-Lake charm, beautiful gardens, and pride of ownership welcome you to 655 Charlotte Street. Located in sought-after Old Town, this lovingly maintained 3-bedroom, 2.5-bathroom home offers timeless character and everyday comfort. Framed by mature trees and beautifully landscaped gardens, its handsome brick exterior, charming dormers, and covered entrance create an inviting first impression.The main-floor primary bedroom adds convenience and flexibility, while two additional bedrooms provide space for family, guests, or a home office. A large unfinished basement offers a blank canvas to suit your needs, whether you envision a recreation room, home gym, hobby space, or additional living area. An attached double garage adds everyday practicality.Outside, enjoy the thoughtfully tended gardens and a deck updated approximately three years ago-an ideal setting for morning coffee, outdoor dining, and relaxed evenings with friends and family. Close to the Heritage Trail, Old Town shops and restaurants, and the Shaw Festival Theatre, this home puts the best of Niagara-on-the-Lake within easy reach. A charming, well-cared-for home ready for its next chapter.
3 bedrooms, 2 bathrooms, about 2,000 sq ft, works out to roughly $750 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.Ask Zara a follow-up
Inside 655 Charlotte St
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
2000-2500 sq ftas stated on the listing
Parking
8 spacesYes garage
Basement
Full, Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
8
Interior
Basement
Full · Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Detached
655 Charlotte 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® X13876812$1,499,999
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 655 Charlotte 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.
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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
$7,369
/mo
based on the purchase price of $1,499,999
$300,000 cash
$1,199,999 financed
$1,010,714 total interest
Principal54%$1,199,999
Interest46%$1,010,714
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 PropTx 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 PropTx 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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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 PropTx, 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 3–4 bed homes for sale in Niagara-on-the-Lake around $1.5M.
Average days on market56Homes sold in about 56 days on average.
Sale-to-list ratio95.3%On average, homes sold below asking.
Active listings272Homes for sale here right now.
Median vs prior 90 days+12.1%Compared with Apr 11 – Jul 10, 2026: prices up.
Based on 175 sales from Jul 10 – Oct 8, 2026 (66 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 655 Charlotte St
How much is 655 Charlotte St listed for?
655 Charlotte St is listed at $1,499,999 (MLS® X13876812). Summitly updates the price as soon as the MLS® record changes.
Is $1,499,999 a good price for 655 Charlotte St?
Summitly rates it Above Market: the asking price is 5% to 15% above 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 655 Charlotte St changed?
No — 655 Charlotte St is still listed at its original asking price of $1,499,999.
How many bedrooms and bathrooms does 655 Charlotte St have?
655 Charlotte St has 3 bedrooms and 2 bathrooms, with about 2,000–2,500 square feet of living space. It is a detached home in Niagara-on-the-Lake.
How much would the monthly mortgage be on 655 Charlotte St?
About $7,369 a month — principal and interest on $1,499,999 with 20% down ($300,000), 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 655 Charlotte St compare with other homes in Niagara-on-the-Lake?
Its asking price of $1,499,999 is about 47% above the median sold price in Niagara-on-the-Lake over the last 90 days, $1,020,000, across 175 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 655 Charlotte St been sold before?
Summitly has no earlier MLS® sale or lease of 655 Charlotte St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 655 Charlotte St?
655 Charlotte St is in Niagara-on-the-Lake, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 655 Charlotte St been on the market?
655 Charlotte St was listed today (October 8, 2026).
What is the price per square foot of 655 Charlotte St?
About $600 to $750 per square foot: the asking price of $1,499,999 over the 2,000–2,500 sq ft the listing gives as its size range.
Does 655 Charlotte St have parking or a garage?
Yes — the listing gives 8 parking spaces. Garage: Yes.
Does 655 Charlotte St have a basement, and is it finished?
The listing describes the basement as: Full, Unfinished.
