The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
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, and wide-board trim. The addition ties in seamlessly to the original structure, featuring a two-story great room with stunning floor-to-ceiling gas fire place, 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. A walk-out basement has an office area, recreation room with gas fireplace & built-in bar area. 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.
Property Details
Listing
MLS® number
X14103296
Status
For Sale
Listed
Oct 21, 2026
Last updated
Oct 27, 2026
Possession
30-59 days
Building
Type
Detached
Style
2-Storey
Approx. age
100+
Approx. size
3,000–3,500 ft²
Basement
Walk-Up, Full, Finished
Lot
Frontage
126.33 ft
Depth
147.20 ft
Lot area
≈ 18,596 ft² (calculated)
View
West
Community
St. Marys
Parking & utilities
Garage
Attached, Garage, 2 spaces
Driveway
Private Double, 4 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$5,115 / 2026
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
Peak Select Realty Inc
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 1 above grade
Basement: Walk-Up, Full, Finished
Heating: Forced Air
Cooling: Central Air
Fireplace: Yes
Fireplaces: 2
Central vacuum: Yes
Exterior
Pool features: None
Property features: Golf, Hospital, Park, Part Cleared, School Bus Route, School
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,498/mo
Mortgage (principal + interest)$3,071
Property taxFrom listing: $5,115/yr$426
Minimum $57,100 down for this price; the slider moves in whole percent, starting at 7%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$164,200
Ontario land transfer taxProvincial brackets, no first-time refund$12,895
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$179,895
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Marys has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
