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 3 St. Mary's Street in the heart of Portland, a charming century home that blends timeless character with thoughtful modern updates. Set on a generous lot with established gardens, this detached 2-storey home offers four bedrooms, two bathrooms, warm and inviting living spaces, and a bright sunroom with a fireplace, perfect for relaxing year-round.The home has been extensively updated with a new electrical panel, recessed lighting, updated switches and receptacles, a heat pump, new gutters, updated appliances, fresh paint throughout, new upstairs carpeting, custom closet storage in the primary bedroom, and new flooring in the sunroom. Additional improvements include a new driveway, paving stones at the front deck, updated doors, new toilets, a replaced sump pump, and a generator connection.Outside, enjoy established gardens, ample yard space, and a detached garage/barn offering excellent storage and versatility. High-speed fibre internet adds everyday convenience. Best of all, you're just steps from Big Rideau Lake, one of the Rideau Lakes region's most sought-after destinations for boating, swimming, fishing and endless days on the water. Walk to local marinas and restaurants, and enjoy everything that makes Portland such a special waterfront village. Newer community amenities include Portland Hall and library, opened in 2025, as well as a new daycare in the village. Enjoy an easy commute to Kingston in approximately 45 minutes, with Smiths Falls only about 20 minutes away.
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Age Groups
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Owners vs Renters
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What’s NearbyDistances approximate
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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$2,501/mo
Mortgage (principal + interest)$2,245
Property taxFrom listing: $3,081/yr$257
Minimum $35,000 down for this price; the slider moves in whole percent, starting at 6%. 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$120,000
Ontario land transfer taxProvincial brackets, no first-time refund$8,475
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$131,275
First-time buyers can get up to $4,000 back on Ontario land transfer tax. Rideau Lakes 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.
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