164 Church Street, St. Marys, ON

$821,000
MLS#:X14103296
4 beds
3 baths
3000-3500 sqft
6.0 parking
Residential Freehold
Residential Freehold for sale - 4 Bed, 3 Bath Home at 164 Church Street St. Marys ON listed at $821,000 (MLS# X14103296) - Main View
For Sale
Added:Oct 21, 2026(today)
Updated:Oct 21, 2026(today)
Last Checked:22 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of St. Marys. Expertly crafted featuring premium brick and board & batten construction, this residence presents an exceptional opportunity offered at $821,000 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 3 Bathrooms
  • Generous living space spanning 3000-3500 sqft on a premium 126.33 x 147.2 ft lot
  • Features a walk-up, full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 2.0 garage spaces (6.0 total parking spaces) with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Central Vacuum, Sewage Pump
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 164 Church St. N., St. Marys. This extraordinary 1880 home was originally constructed by William Irvine, a local carpenter, with assistance from James Spearin, a carpenter from Limerick, Ireland who took possession in 1885. The construction of the home, with the yellow field brick and red brick quoins and voussoirs and semi-circular cranberry glass window over the entrance lend an impressive appearance, as do the very large windows on the 1990 addition at the back of the house, more than doubling the square footage. Highlights of the home include the original staircase with cherry handrail and octagonal tapered oak spindles. The addition ties in seamlessly to the original structure, featuring a two-story great room with stunning floor-to-ceiling gas fire place constructed by stonemason Sandy McLean, enormous windows letting in abundant natural light, wood floors, and a back staircase leading to the upstairs bedroom hallway outside the Primary bedroom with Ensuite bath. An open walkway looking down onto the great room leads to the bedrooms and bathroom that are part of the original home.The lot is huge, with potential for severance, and hosts breathtaking perennial gardens, pathways, hidden sitting areas and water features. A short walk south leads to historic downtown St. Marys with it's beautiful limestone structures, or you can meander one street over to walk the Grand Trunk Trail with breathtaking panoramic views of both town and country.

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Property Summary

This detached home located at 164 Church Street, St. Marys is currently for sale and has been available for 0 days. This property is listed at $821,000 with an estimated mortgage of $2,733* per month. It has 4 beds, 3 bathrooms, and is 3000-3500 square feet. 164 Church Street, St. Marys is in the St. Marys neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 4 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in St. Marys, St. Marys.

Highly Recommended for Families
What We Love About This Home
  • •4 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •3000-3500 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in St. Marys, St. Marys.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
3
Kitchens
1
Living Area
3000-3500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$821,000
AddedOct 21, 2026 (today)
UpdatedOct 21, 2026 (today)
Last Checked22 minutes ago
Transaction TypeFor Sale
List Office NamePeak Select Realty Inc

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Board & Batten
BasementWalk-Up, Full, Finished
Lot Size126.33 Ă— 147.2 Feet
CountyPerth
Annual Tax$5,115.24
Rental ItemsHot water tank from Reliance
Legal DescriptionLOT 16 WEST SIDE CHURCH ST PLAN 225 ST MARYS; PT LOT 15 WEST SIDE CHURCH ST PLAN 225 ST MARYS; PT LOT 17 WEST SIDE CHURCH ST PLAN 225 ST MARYS AS IN R365687 ; ST MARYS

Parking & Garage

Parking Total6.0
Parking Space4
Garage Parking2.0
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Golf
  • Hospital
  • Park
  • Part Cleared
  • School Bus Route
  • School

Interior Features

  • Auto Garage Door Remote
  • Central Vacuum
  • Sewage Pump
  • Sump Pump
  • Water Softener

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

St. Marys Home Buyer Advisory & Market HubActive MLS® Listing in St. Marys, Ontario

Looking to Buy a Home in St. Marys?

If you are looking for a house in St. Marys or researching St. Marys real estate for sale, this 4-bedroom detached at 164 Church Street, St. Marys, ON offers an exceptional opportunity to buy a home in St. Marys, Ontario. Whether you are a first-time St. Marys home buyer or comparing active St. Marys MLS® homes for sale, working with a dedicated St. Marys buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

St. Marys Homes for Sale & MLS® Listings

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Dedicated St. Marys Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced St. Marys realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

St. Marys Buyer Budget & Costs

Estimated mortgage: $2,733*/month*. Estimated Ontario Land Transfer Tax: $12,895. First-time St. Marys home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in St. Marys

Frequently Asked Questions about 164 Church Street, St. Marys, ON

Q.What is the asking price for 164 Church Street, St. Marys, ON ?

The current listing price for 164 Church Street, St. Marys, ON in St. Marys, St. Marys is $821,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 4 bedrooms and 3 bathrooms across approximately 3000-3500 sqft.

Q.What property type and architectural style is 164 Church Street, St. Marys, ON ?

164 Church Street, St. Marys, ON is a Detached (2-Storey) featuring a Walk-Up, Full, Finished basement.

Q.What key property features does 164 Church Street, St. Marys, ON offer?

Key property features include: Golf, Hospital, Park, Part Cleared, School Bus Route, School.

Q.What interior features are included in this home?

Interior highlights include: Auto Garage Door Remote, Central Vacuum, Sewage Pump, Sump Pump, Water Softener.

Q.What security features are installed at 164 Church Street, St. Marys, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 6.0 vehicles (Attached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

Location

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164 Church Street, St. Marys, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

St. Marys, St. Marys

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 164 Church Street N, St. Marys, ON N4X 1B6

Estimated Sales Range
$780,000 - $805,000

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.

Market Trend
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Mortgage & Affordability Audit

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

Configure Loan Settings

Interest Rate4.00%
Down Payment$246,300 (30.0%)
* Minimum Canadian down payment required for this price is $57,100.
Amortization Period30 Years
Estimated Monthly Payment$2,733Based on a loan of $574,700 over 30 years.
Purchase Price$821,000
Loan Amount$574,700
Provincial Land Transfer Tax:$12,895
Total Estimated Closing Taxes:$12,895

About Purchasing a Home in St. Marys, ON

For a property listed at $821,000 in St. Marys, the legal minimum down payment is $57,100 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 $12,895 for this transaction. As this listing is in St. Marys (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $12,895.

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St. Marys, St. Marys Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Marys, St. Marys.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$694,296

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%

Best Schools in St. Marys, St. Marys

Elementary Schools

Holy Name of Mary
Public161 Peel Street North, St. Marys, Ontario, N4X 1B2
5.9
Little Falls
Public25 Lindsay Atkinson Drive, St. Marys, Ontario, N4X 1B6
7.0
South Perth Centennial
Public1866 Perth Road 163, St. Marys, Ontario, N4X 1C4
7.5

Secondary Schools

No secondary schools data loaded.

St. Marys, St. Marys Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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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.

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