$925,000
Est. payment $4,096/moCalculate yours
1173 Richards Street, St. Joseph, ON P0R 1J0
St. Joseph, ON P0R 1J0
- 4 Beds
- 4 Baths
- 2 Garage
- 1,500 Sq Ft
Listing courtesy of Royal LePage® Northern Advantage MLS® X13887808
About this home
A rare double lot with 139 feet of sandy, sheltered frontage on Lake Huron’s St. Joseph Channel - in the heart of downtown Richards Landing, an area positioned for continued commercial and mixed-use growth. Waterfront properties of this size, in this location, rarely come to market and represent a long-term value play as the village develops. The 2-storey home delivers the full spectrum of waterfront living: glassy sunsets viewed from a spectacular glass-wrapped sunroom, a sheltered spot to dock your boat, and safe, sandy-bottom swimming just steps from the deck and patio. West-facing across open water dotted with islands, the sunset views alone set this property apart. The home also offers an updated kitchen, hardwood floors, two full baths plus a half bath, three bedrooms, and a steel shingle roof. The detached double garage includes a self-contained second unit, including another full bathroom, offering turnkey income potential as an Airbnb suite or family guest quarters. Walk to the marina, restaurant, grocery store, hospital, pharmacy, and school, all on municipal water/sewer with fiber internet coming. Survey on file; shore road allowance already owned. A double waterfront lot in a growth-positioned downtown core, with existing income potential built in - this can be as much a land-banking opportunity as a home purchase.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 1,500 sqft
Interior
- Bedrooms
- 4
- Bathrooms
- 4
- Kitchens
- 1
- Total Rooms
- 16
- Basement
- Unfinished, Full
Building & Systems
- Heating
- Forced Air (Electric)
- Cooling
- Other
- Exterior
- Vinyl Siding, Unknown
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle, Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 139.4 x 164.7 Feet
- Parking
- Other garage
- Zoning
- Residential
Financial
- Property Taxes
- $2,409 (2026)
Location
- Cross Street
- Downtown Richards Landing.
- Direction Faces
- West
Listing
- MLS® Number
- X13887808
- Days on Market
- 61
- Listed On
- 2026-08-18
- Possession
- 90 Days
- Listed By
- Royal LePage® Northern Advantage
Rooms
Features
Interior
- Central Vacuum
- Built-In Oven
- Other
Property
- Waterfront
Pool
- None
- Included
- Fridge, Stove, Dishwasher, Microwave, Washer, Dryer.
- Excluded
- Furniture and Decorations existing in the home as of August 2026 are available to be included in the sale.
- Rental items
- None.
Mortgage calculator
Estimated mortgage payment
$4,096 per month
- Principal and interest
- $4,096
- Property tax
- $201
- Condo fees
- $0
- Estimated monthly cost
- $4,296
Your mortgage
- Mortgage amount
- $740,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $488,710
Cash to close
- Down payment
- $185,000
- Land transfer tax
- $14,975
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $199,975
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
This photo could not be loaded.