$639,900
Est. payment $2,833/moCalculate yours
104 Ontario Street S, St. Marys, ON N4X 1C2
St. Marys, St. Marys, ON N4X 1C2
- 3 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of RE/MAX A-B Realty Ltd MLS® X13638318
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!
Property details
Overview
- Property Type
- Detached
- Style
- 1 1/2 Storey
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Vinyl Siding
- Foundation
- Stone
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 48.54 x 149.69 Feet
- Parking
- Detached garage · 5 total
- Zoning
- R3
Financial
- Property Taxes
- $3,710 (2025)
Location
- Neighbourhood
- St. Marys
- Cross Street
- Elgin Street West & Park Lane
- Direction Faces
- West
Listing
- MLS® Number
- X13638318
- Days on Market
- 74
- Listed On
- 2026-08-05
- Possession
- Mid December 2026
- Listed By
- RE/MAX A-B Realty Ltd
Rooms
Features
Interior
- Water Heater Owned
- Water Softener
Pool
- None
- Included
- Fridge, gas stove, dishwasher, washer, dryer, existing window covering and light fixtures, water heater x 2, water softener. (All appliances are in working order but are considered 'as-is')
- Rental items
- None
Mortgage calculator
Estimated mortgage payment
$2,833 per month
- Principal and interest
- $2,833
- Property tax
- $309
- Condo fees
- $0
- Estimated monthly cost
- $3,143
Your mortgage
- Mortgage amount
- $511,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $338,082
Cash to close
- Down payment
- $127,980
- Land transfer tax
- $9,273
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $137,253
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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