84 Church Street, St. Marys, ON

$845,900
MLS#:X13507384
4 beds
3 baths
2500-3000 sqft
7.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of St. Marys. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $845,900 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 with 2 functional kitchens
  • Generous living space spanning 2500-3000 sqft on a premium 128.7 x 150.38 ft lot
  • Features a partially finished, walk-out basement, adding superb versatility for recreation, a home gym, or extra storage
  • 7.0 total parking spaces available with a convenient detached configuration
  • Notable attributes: Guest Accommodations
  • equipped with window unit(s) central cooling and highly efficient radiant heating via gas

Description

Tucked away on a beautifully secluded, tree-lined lot, this remarkable yellow brick century home displays timeless character with thoughtful modern updates. Rich in history, this distinguished residence was built in 1890 for Susan Morphy before becoming the home of Dr. James J. Hall, one of St. Marys' early physicians. It was later owned by Dr. Thomas Sparks, who lovingly restored the home while preserving its historic charm for generations to come. Step inside to discover spacious principal rooms filled with warmth, original character, and enduring craftsmanship. At the heart of the home is a beautifully renovated kitchen featuring soft-close cabinetry, butcher block countertops, a centre island, pantry, and an inviting layout designed for everyday living and entertaining. The renovated main-floor bathroom offers the luxury of in-floor heating, creating a spa-like retreat, while modern updates throughout complement the home's rich heritage without compromising its authentic character. Adding exceptional versatility is the fully self-contained lower-level apartment, complete with its own private entrance, laneway access, kitchen, bathroom, bedroom, laundry, and separate living space-ideal for extended family, guests, or generating rental income. Set on 0.34 acres and surrounded by mature trees, the property offers an exceptional sense of privacy. Two driveways, a detached garage, and a detached workshop provide ample space for vehicles, hobbies, and storage. This is more than a home-it's an opportunity to own a beautifully preserved piece of St. Marys' history. Don't miss your chance to become the next steward of this extraordinary property and carry its remarkable legacy into the future.

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Key Features

Bedrooms
4
Bathrooms
3
Kitchens
2
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date6/30/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDuplex
Architectural Style2-Storey
ConstructionBrick
BasementPartially Finished, Walk-Out
Lot Size128.7 × 150.38 Feet
CountyPerth
Annual Tax$6,187
Legal DescriptionPLAN 225 LOT 5 PLAN 235 PT LOT 4 IN BLK D W/S CHURCH

Parking & Garage

Parking Spaces7.0
Garage Spaces6
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingWindow Unit(s)

Features

Property Features

Interior Features

Guest Accommodations

Security Features

Community Features

Location

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84 Church Street, St. Marys, 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 84 Church Street N, St. Marys, ON N4X 1A3

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 St. Marys.

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Interest Rate5.25%
Down Payment$59,590 (7.0%)
* Minimum Canadian down payment required for this price is $59,590.
Amortization Period25 Years
Estimated Monthly Payment$4,686Based on a loan of $786,310 over 25 years.
Purchase Price$845,900
Loan Amount$786,310
Provincial Land Transfer Tax:$13,393
Total Estimated Closing Taxes:$13,393

About Purchasing a Home in St. Marys, ON

For a property listed at $845,900 in St. Marys, the legal minimum down payment is $59,590 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 $13,393 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 $13,393.

Nearby Listings

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No current listings found in St. Marys.

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City & 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$663,908

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

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

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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.