1876 FOUR MILE CREEK Road, Niagara-on-the-Lake

$799,900
1876 FOUR MILE CREEK Road

$799,900

New
8d
DetachedBungalow

1876 FOUR MILE CREEK Road, Niagara-on-the-Lake

Total Monthly Obligation $3,966

Beds
5
Baths
3
Park
4
Sqft
1100-1500
DOM
8d
Score
19
Yield
4.8%
Cash on Cash
-2.9%
Cap Rate
4.0%
5Y IRR
13.3%
10Y IRR
12.8%
Property Type-Detached
MLS® Number-X14084412
Beds-5
Bathrooms-3
Size-1100-1500 sqft
Lot Size-60 × 250 ft
Listed on site-Oct 15, 2026
Style-Bungalow
Building Type-Detached
Age-51-99
Taxes-$4,372.18 (2026)
Parking-6 - Detached
Basement-Partially Finished, Full
Heating-Forced Air (Gas)
Brokerage-RE/MAX NIAGARA REALTY LTD, BROKERAGE
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-East
Exterior-Brick Front, Other
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-TBD
Neighbourhood-108 - Virgil
Title-Residential Freehold

No agent assigned

Welcome to 1876 Four Mile Creek Road, where country charm meets modern living in the heart of Virgil. Set on a spacious property, this beautifully updated bungalow offers 5 bedrooms, 3 bathrooms, and a bright, open-concept layout designed for comfortable family living.The custom kitchen features granite countertops, stainless steel appliances, a prep sink, breakfast station, and peninsula seating, while the main level also offers three bedrooms, a luxurious 5-piece bathroom, and a separate rear entrance leading to a functional mudroom. The fully finished basement adds two additional bedrooms, a 3-piece bathroom, and an impressive home theatre complete with a premium projector, built-in speakers, receiver, and wet bar.Outside, enjoy your private backyard oasis with professionally landscaped pavers, a pergola, fire pit, gas BBQ hookup, and sprinkler system. A detached garage with a clubhouse provides additional space for hobbies or family fun.Thoughtfully updated throughout with a custom kitchen (2016), finished basement (2019), furnace, A/C (2019), hydro panel (2019), exterior doors (2017), and more, this move-in-ready home is ideally located just minutes from wineries, golf courses, schools, shopping, and the historic charm of Niagara-on-the-Lake.

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%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$639,920
Land Transfer Taxes$12,473
Legal Fees (Est.)
$
Total cash required for closing$173,953

Total Monthly Obligation

$3,966/mo
Mortgage $3,227
Monthly Loss $3,117
Principal$849
Interest$2,378
Property Tax$364
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.3%20
Cash-on-Cash
-7.4%1
5-Year IRR
9.8%34
10-Year IRR
10.4%
Returns Index
18.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$38,748/yr
NOI
$26,001/yr
Net Cash Flow
-$1,060/mo
Cash Margin
-32.8%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.679
LTV Ratio
80.0%18
Vacancy Buffer
2.4 mo39
Risk Index
22.0/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 1876 FOUR MILE CREEK Road

Time

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