104 Ontario Street S, St. Marys, ON N4X 1C2
St. Marys, ON N4X 1C2
Quick cost estimateKnown monthly subtotal$3,286.52 / monthLand transfer tax $9,273One-time estimate
Quick cost estimate
$3,286.52 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,977.35
- Property tax / month
- $309.17
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $9,273
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $9,273
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
Welcome to the perfect blend of character and modern comfort. This beautifully updated 3-bedroom, 2-bathroom home is completely move-in ready in the West Ward of St. Marys. The main floor is warm and inviting as thoughtful renovations have created a space that's both stylish and functional. The kitchen (updated 2020) is the heart of the home, featuring quartzite countertops, refinished cabinetry, a timeless backsplash, and a dedicated dining area. Added luxuries like in-floor heating throughout the kitchen, mudroom, and main-floor bathroom make every season feel comfortable. A thoughtfully designed rear addition offers a practical mudroom with functional storage, laundry, and an updated 3-piece bathroom (all updated in 2025).Upstairs, you'll find three bright bedrooms and a fully renovated 4-piece bathroom (2022). This home has been well maintained with major updates completed, including new windows (2017), steel roof (2020), covered front porch (2021), central air (2025), and a brand-new furnace and water heater (2026), giving you peace of mind for years to come.Outside, the large, fenced backyard is made for entertaining. Featuring a spacious patio, charming pergola-covered side porch, and plenty of room for any activity. The oversized concrete driveway easily accommodates multiple vehicles, trailers, or recreational toys.Finally, an incredible 20' x 24' insulated shop complete with in-floor heating. Whether you're a car enthusiast, woodworker, craftsman, or simply dreaming of the ultimate man cave, this is a feature that's rarely found and impossible to forget. Click on the virtual tour link, view the floor plans, photos and YouTube link and then call your REALTOR to schedule your private viewing of this great property!
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13638318
- Source status
- Extension
- Bedrooms
- 3
- Bathrooms
- 2
- Postal code
- N4X 1C2
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- No
- Interior size (reported range)
- 1100-1500 (units not reported)
- Lot size
- < .50 acres (reported range)
- Lot depth
- 149.69 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 5
- Occupancy
- Owner
- Possession type
- 60-89 days
- Garage
- Detached
- Annual property tax
- 3710
- Basement
- Unfinished
- Interior features
- Water Heater Owned, Water Softener
- Architectural style
- 1 1/2 Storey
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- West
- Construction materials
- Vinyl Siding
- Roof
- Metal
- Foundation
- Stone
- MLS entry age (not confirmed DOM)
- 96 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 9
- Den / family room reported
- No
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $639,900
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
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- Region / county
- Perth
- Municipality
- ST. MARYS
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Around this property
Schools, transit & everyday places
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Nearby schools
No nearby schools were returned by the current Ontario school dataset for this property. School ratings and attendance boundaries are not included.
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Transit near this property
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in St. Marys, Perth, Ontario
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
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They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
104 Ontario Street S, St. Marys, ON N4X 1C2, St. Marys is listed for sale as a Detached. The listing reports 3 bedrooms, 2 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 1, parking spaces reported as 5, lot size reported as < .50 acres (reported range). Asking price: $639,900. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13638318.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: RE/MAX A-B Realty Ltd. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13638318. Information deemed reliable but not guaranteed.