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.
Fall is the best time to walk downtown St. Marys, and from 318 Elizabeth Street you're there in minutes. Grab a coffee, take the long way home past the limestone, and settle into a house that's ready for the colder months.This 3 bed, 2 bath home was taken back to the studs with new electrical, plumbing, spray foam insulation and nearly all new windows. It stays warm and quiet when the temperature drops. The furnace and central air were replaced in 2021, along with the hot water tank and water softener. The roof was redone in 2023 with ice and rain shield.The 2005 addition gives you a family room made for movie nights, plus main floor laundry and a 3 piece bath. The kitchen and baths are updated, and the upstairs bath has a soaker tub and a separate double size shower. Newer appliances include a 2024 dishwasher and a 2022 washer and dryer. Central vac makes muddy boot season a lot easier.The garage is a big part of the story here. It's an oversized double, insulated, with a furnace added in 2025, a workshop and a loft. There's an EV charger too. Park inside all winter and keep your projects going when it's cold out.The heated on-ground pool is closed up for the season and will be ready again come summer. It's 4 ft deep and easy for the whole family to enjoy. Picture next July in this backyard and you'll get it.You're close to schools, the rec centre and the quarry, with downtown shops and restaurants an easy walk away. Book a showing and see it while the leaves are still turning.
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$3,391/mo
Mortgage (principal + interest)$2,952
Property taxFrom listing: $5,278/yr$440
Minimum $53,900 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$157,800
Ontario land transfer taxProvincial brackets, no first-time refund$12,255
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$172,855
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.
