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.
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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Data-driven valuation for 84 Church Street N, St. Marys, ON N4X 1A3
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Properties in this area are selling at a steady pace.
Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Marys.
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.
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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.