92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON

$699,000
MLS#:X13730230
3 beds
3 baths
1200-1399 sqft
2.0 parking
Residential Condo & Other
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Added:Sep 1, 2026(1 day ago)
Updated:Sep 1, 2026(1 day ago)
Last Checked:5 minutes ago

Property Highlights

Welcome to this remarkable Bungalow vacant land condo located in the coveted neighborhood of Virgil. Expertly crafted featuring premium vinyl siding and stone construction, this residence presents an exceptional opportunity offered at $699,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 1200-1399 sqft
  • Features a finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to Stone Gate Park, where sophisticated comfort meets ultimate convenience in the heart of Virgil! This meticulously finished townhome welcomes you with an impressive, bright grand foyer that leads into a magnificent main living area boasting soaring vaulted ceilings and a cozy gas fireplace. The classic oak kitchen features timeless cabinetry and a charming breakfast nook, flowing seamlessly onto a private rear deck, the perfect setting for enjoying local Niagara wines. Designed for versatile living, the main floor hosts a primary retreat complete with a walk-in closet and a 4-piece ensuite, alongside a second bedroom ideal for a bright home office. The fully finished lower level significantly expands your living space, offering a massive recreation room and a private third bedroom for guests. Enhanced by stunning curb appeal with mature, manicured gardens and an inviting covered front porch, this property offers an unmatched walkable lifestyle just a short stroll from award-winning wineries, local craft breweries, and the scenic Virgil Sports Park.

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Property Summary

This condo apartment located at 92 Loretta Drive, Niagara-on-the-Lake is currently for sale and has been available on zoozaa for 1 day. This property is listed at $699,000 with an estimated mortgage of $2,327* per month. It has 3 beds, 3 bathrooms, and is 1200-1399 square feet. 92 Loretta Drive, Niagara-on-the-Lake is in the Virgil neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Virgil, Niagara-on-the-Lake.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •1200-1399 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Niagara-on-the-Lake.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
3
Kitchens
1
Living Area
1200-1399 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
AddedSep 1, 2026 (1 day ago)
UpdatedSep 1, 2026 (1 day ago)
Last Checked5 minutes ago
Transaction TypeFor Sale

Property Details

Property Sub-TypeVacant Land Condo
Architectural StyleBungalow
ConstructionVinyl Siding, Stone
BasementFinished
CountyNiagara
Annual Tax$4,427

Parking & Garage

Parking Total2.0
Parking Space1
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Cul de Sac/Dead End
  • Park

Interior Features

  • Primary Bedroom - Main Floor

Security Features

  • Smoke Detector

Community Features

None listed

Frequently Asked Questions about 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON

Q.What is the asking price for 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON ?

The current listing price for 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON in Virgil, Niagara-on-the-Lake is $699,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 3 bathrooms across approximately 1200-1399 sqft.

Q.What property type and architectural style is 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON ?

92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON is a Vacant Land Condo (Bungalow) featuring a Finished basement.

Q.What key property features does 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON offer?

Key property features include: Cul de Sac/Dead End, Park.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor.

Q.What security features are installed at 92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON ?

Security features include: Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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92 Loretta Drive, Unit 12, Niagara-on-the-Lake, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Virgil, Niagara-on-the-Lake

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTHA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 92 Loretta Drive 12, Niagara-on-the-Lake, ON L0S 1T0

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Niagara-on-the-Lake.

Configure Loan Settings

Interest Rate4.00%
Down Payment$209,700 (30.0%)
* Minimum Canadian down payment required for this price is $44,900.
Amortization Period30 Years
Estimated Monthly Payment$2,327Based on a loan of $489,300 over 30 years.
Purchase Price$699,000
Loan Amount$489,300
Provincial Land Transfer Tax:$10,455
Total Estimated Closing Taxes:$10,455

About Purchasing a Home in Niagara-on-the-Lake, ON

For a property listed at $699,000 in Niagara-on-the-Lake, the legal minimum down payment is $44,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $10,455 for this transaction. As this listing is in Niagara-on-the-Lake (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $10,455.

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Virgil, Niagara-on-the-Lake Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Virgil, Niagara-on-the-Lake.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$1,557,304

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Best Schools in Virgil, Niagara-on-the-Lake

Elementary Schools

Crossroads
Public1350 Niagara Stone Road, Niagara-on-the-Lake, Ontario, L0S 1J0
9.0
St Michael
Public387 Line 3 Road, Niagara-on-the-Lake, Ontario, L0S 1J0
7.9

Secondary Schools

No secondary schools data loaded.

Virgil, Niagara-on-the-Lake Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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