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85 RICARDO STREET
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Beds
3
Baths
3 full + 1 half
Sqft
—
Year
—
Type
Single Family
On market
34d
Step into timeless charm with this beautifully preserved circa 1880 1-storey home, offering approximately 1,850 sq. ft. of character and comfort 3 bedroom, 2 1/2 bath century home in the highly coveted Dock Area of Niagara-on-the-Lake. This enchanting residence blends historic appeal with modern peace of mind, featuring extensive updates to all major mechanical systems, including heating, air conditioning, electrical, windows, and roof. Every essential has been thoughtfully upgraded, allowing you to enjoy classic architecture without compromise. Inside, you'll find a warm and inviting layout that showcases the home's heritage roots while providing functional living space ideal for both everyday living and entertaining. The 1-storey design offers a unique and cozy atmosphere, perfect for those seeking something truly special. Nestled in one of Niagara-on-the-Lake's most sought-after neighbourhoods, just moments from the waterfront, boutique shops, dining, and local wineries, this property presents a rare opportunity to own a piece of history in an unbeatable location. Experience the charm of the past with the confidence of modern updates-this is Niagara-on-the-Lake living at its finest. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Other | 4.44 × 3.4 meters | |
| Furnace | 3.39 × 7.58 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 6.31 × 3.72 meters | |
| Bathroom | 2.21 × 1.22 meters | |
| Laundry room | 1.42 × 1.13 meters | |
| Foyer | 4 × 3.86 meters | |
| Dining room | 4 × 4.23 meters | |
| Kitchen | 3.73 × 5 meters |
Second level
| Room | Dimensions | Features |
|---|---|---|
| Bathroom | 2.13 × 2.39 meters | |
| Bathroom | 2.62 × 3.06 meters | |
| Primary Bedroom | 6.39 × 3.09 meters | |
| Bedroom 2 | 3.91 × 3.91 meters | |
| Bedroom 3 | 3.4 × 4.16 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Niagara-on-the-Lake (Town). The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.