$600,000
Est. payment $2,657/moCalculate yours
321 Tracy Street, St. Marys, ON N4X 0B4
St. Marys, St. Marys, ON N4X 0B4
- 2 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of Peak Select Realty Inc MLS® X13757042
About this home
Downsizing this fall? This one makes it easy. Set on a quiet cul-de-sac street in St. Marys, this freehold bungalow townhome gives you low-maintenance, one-level living with no condo fees. 2000 sq. ft. of finished space, and it’s a short walk to downtown shops, cafés, and everything you need. The main floor is bright and open, with 9-foot tray ceilings, carpet-free flooring, and plenty of natural light. The kitchen has a central island and looks out over the living and dining areas. Step through to the rear patio with awning and settle in with your morning coffee against a peaceful treed backdrop, a good spot to watch the leaves turn. Two bedrooms on the main floor keep things simple. The 3-piece bathroom was beautifully updated with a brand-new oversized walk-in shower and built-in bench (2026), a smart touch for aging in place. A large storage closet adds function, and interior access to the attached garage means you’re never braving the cold to get inside. When family visits or a project calls, the partially finished lower level has a roomy family/rec room, a second bathroom, and flexible space for guests or a home office. Add a covered front porch, garden shed, and private backyard, and you’ve got easy bungalow living with modern finishes in one of Ontario’s prettiest small towns. Welcome to St. Marys.
Property details
Overview
- Property Type
- Att/Row/Townhouse
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 6-15
- Size
- 1,100 sqft
Interior
- Bedrooms
- 2
- Bathrooms
- 2
- Kitchens
- 1
- Basement
- Full
Building & Systems
- Heating
- Other (Gas)
- Cooling
- Central Air
- Exterior
- Stone, Brick
- Foundation
- Poured Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 30.03 x 184.34 Feet
- Parking
- Attached garage · 3 total
- Zoning
- R5-5
Financial
- Property Taxes
- $4,007 (2026)
Location
- Neighbourhood
- St. Marys
- Cross Street
- St. Maria St and Tracy St
- Direction Faces
- East
Listing
- MLS® Number
- X13757042
- Days on Market
- 40
- Listed On
- 2026-09-08
- Possession
- FLEX
- Listed By
- Peak Select Realty Inc
Rooms
Features
Interior
- Air Exchanger
- Other
- Carpet Free
Property
- Park
- Ravine
- River/Stream
- School
- Wooded/Treed
Pool
- None
- Included
- S/S Refrigerator, S/S Gas Stove, S/S Built In Microwave, S/S Built In Dishwasher, All ELF's incl Ceiling Fans, Dryer, Washer- Awning. All IN "AS IS" Condition
Mortgage calculator
Estimated mortgage payment
$2,657 per month
- Principal and interest
- $2,657
- Property tax
- $334
- Condo fees
- $0
- Estimated monthly cost
- $2,991
Your mortgage
- Mortgage amount
- $480,000
- Mortgage insurance
- Not needed
- Interest over 25 years
- $317,001
Cash to close
- Down payment
- $120,000
- Land transfer tax
- $8,475
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $128,475
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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