16 Mary Street, Smiths Falls, ON

$339,500
MLS#:X12595216
4 beds
2 baths
1500-2000 sqft
7.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of 901 - Smiths Falls. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $339,500 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 84 x 124 ft lot
  • Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 7.0 total parking spaces available with a convenient other configuration
  • Notable attributes: Primary Bedroom - Main Floor
  • equipped with window unit(s) central cooling and highly efficient water heating via gas

Description

Nestled in the charming town of Smiths Falls, this 2-storey brick home, built circa the 1900s, awaits its next chapter. It beautifully blends historic character with the functional advantage of a newer main-floor addition featuring a primary bedroom, 3-piece bath, and dedicated laundry area, offering ideal main-floor living. The remainder of the main level features a large eat-in kitchen, a spacious living room, a versatile den/dining room. Upstairs, three additional bedrooms and a 4-piece bath complete the private quarters. The home possesses a solid structure and timeless appeal, providing the perfect canvas for the discerning buyer eager to infuse their own style and contemporary finishing touches throughout. Outside, enjoy generous parking and the significant bonus of the vacant lot directly across the street included in the sale. The large storage space, complete with a loft, offers tremendous potential for restoration into a magnificent workshop or garage. With its established history and room for cosmetic personalization, this property represents a unique opportunity to create a personalized dream home in a desirable location.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 4, 2026
Sold price information is available to members only
Listed Date12/1/2025
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementUnfinished
Lot Size84 × 124 Feet
CountyLanark
Annual Tax$3,123
Legal DescriptionPT LT O W/S MARY ST PL 13884 LANARK S MONTAGUE FORMERLY PL2648, AS IN RS183683 (2NDLY) TOWN OF SMITHS FALLS & PT LT 9 N/S WILLIAM ST PL 13884 LANARK S MONTAGUE FORMERLY PL3588 ASIN RS183683 (FIRSTLY) TOWN OF SMITHS FALLS

Parking & Garage

Parking Spaces7.0
Garage Spaces5
Garage TypeOther

Heating & Cooling

Heat SourceGas
Heat TypeWater
CoolingWindow Unit(s)

Features

Property Features

Interior Features

Primary Bedroom - Main Floor

Security Features

Community Features

Location

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16 Mary Street, Smiths Falls, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 16 Mary Street N, Smiths Falls, ON K7A 3R8

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Smiths Falls.

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Interest Rate5.25%
Down Payment$16,975 (5.0%)
* Minimum Canadian down payment required for this price is $16,975.
Amortization Period25 Years
Estimated Monthly Payment$1,922Based on a loan of $322,525 over 25 years.
Purchase Price$339,500
Loan Amount$322,525
Provincial Land Transfer Tax:$3,568
Total Estimated Closing Taxes:$3,568

About Purchasing a Home in Smiths Falls, ON

For a property listed at $339,500 in Smiths Falls, the legal minimum down payment is $16,975 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $3,568 for this transaction. As this listing is in Smiths Falls (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $3,568.

Nearby Listings

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No current listings found in Smiths Falls.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Smiths Falls.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$486,978

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Duncan J Schoular
Public41 McGill Street South, Smiths Falls, Ontario, K7A 3M9
2.6
St Francis de Sales
Public4 Ross Street, Smiths Falls, Ontario, K7A 4L5
2.9
Chimo
Public11 Ross Street, Smiths Falls, Ontario, K7A 4V7
3.7

Secondary Schools

St. Luke Catholic
Catholic5 Catherine Street, Smiths Falls, Ontario, K7A 3Z9
0.9
Smiths Falls
Public10 Ontario Street, Smiths Falls, Ontario, K7A 4P9
3.7

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.