Gurvinder Nokwal REALTOR®
For Sale Detached 74 days on market

$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

Room Level Dimensions
Bathroom Main 12′ 1″ × 5′ 11″
Bathroom Second 7′ 5″ × 6′ 3″
Living Room Main 14′ 1″ × 12′ 0″
Bedroom 2 Second 9′ 3″ × 13′ 7″
Bedroom 3 Second 11′ 4″ × 9′ 1″
Primary Bedroom Second 9′ 5″ × 13′ 0″
Kitchen Main 9′ 8″ × 14′ 9″
Dining Room Main 11′ 5″ × 14′ 7″
Laundry Main 12′ 1″ × 7′ 5″

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

Minimum for this price: $38,990 (6.09%)

Amortization, years

Estimated mortgage payment

$2,833 per month

Principal and interest
$2,833
Property tax
$309
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
Total, before legal fees
$137,253
Talk to me about financing

Estimates 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

104 Ontario Street S, St. Marys, ON N4X 1C2 St. Marys, St. Marys, ON N4X 1C2
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$639,900 104 Ontario Street S, St. Marys, ON N4X 1C2
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