Listed for:Listed Sep 8, 2026
$600,000

321 Tracy Street

St. Marys, ON N4X 0B4

Freehold Townhouse For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 321 Tracy Street, St. Marys

No listing history available

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 321 Tracy Street, St. Marys

Summarized Description

  • Freehold bungalow townhome with no condo fees.
  • Bright, open main floor with 9-foot ceilings.
  • Oversized walk-in shower for aging in place.
  • Partially finished lower level for guests or office.
  • Short walk to downtown shops and cafés.
  • Private backyard with peaceful treed backdrop.
  • Low-maintenance living in St.
  • Marys.

Downsizing this fall? This one makes it easy. Set on a quiet cul-de-sac street in St. Marys, this freehold bungalow townhome gives you low-maintenance, one-level living with no condo fees. 2000 sq. ft. of finished space, and it's a short walk to downtown shops, cafés, and everything you need. The main floor is bright and open, with 9-foot tray ceilings, carpet-free flooring, and plenty of natural light. The kitchen has a central island and looks out over the living and dining areas. Step through to the rear patio with awning and settle in with your morning coffee against a peaceful treed backdrop, a good spot to watch the leaves turn. Two bedrooms on the main floor keep things simple. The 3-piece bathroom was beautifully updated with a brand-new oversized walk-in shower and built-in bench (2026), a smart touch for aging in place. A large storage closet adds function, and interior access to the attached garage means you're never braving the cold to get inside. When family visits or a project calls, the partially finished lower level has a roomy family/rec room, a second bathroom, and flexible space for guests or a home office. Add a covered front porch, garden shed, and private backyard, and you've got easy bungalow living with modern finishes in one of Ontario's prettiest small towns. Welcome to St. Marys.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$4,007
Land Transfer Tax Fee
$8,475

Basement Type
Full

Interior Features

Interior Extras
Air Exchanger, Other, Carpet Free
View
Garden, Trees/Woods, Skyline
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Awnings, Landscaped, Patio, Porch
Pool
None
Property Features
Park, Ravine, River/Stream, School, Wooded/Treed
Other Structures
Fence - Partial, Shed

Building

Building Type
Freehold Townhouse
Building Style
Bungalow
Approx Age
6-15

Construction

Exterior Finish
Stone, Brick
Roof
Asphalt Shingle
Foundation Details
Poured Concrete
Special Designation
Unknown

Lot

Lot Front
30.03 ft
Lot Depth
184.34 ft
Lot Size
5554.17
Lot Shape
Rectangular
Lot Size Code
30.00 x 175.00

Inclusions

Inclusions
S/S Refrigerator, S/S Gas Stove, S/S Built In Microwave, S/S Built In Dishwasher, All ELF's incl Ceiling Fans, Dryer, Washer- Awning. All IN "AS IS" Condition

Parking & Garages

Garage Type
Attached
Garage Spaces
1
Parking Spaces
2
Total Garage And Parking Spaces
3

Heating & Cooling

Heat Source
Gas
Heat Type
Other
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer
Natural Gas
Yes
Hydro
Yes

Bedrooms
2
Washrooms
2
Kitchens
1

Room sizes

  • Laundry—
    Main level
  • Office—
    Lower level
  • Family Room—
    Lower level
  • Living Room14ft. 6in. x 18ft. 4in.
    Main level
  • Foyer—
    Main level
  • Primary Bedroom14ft. 0in. x 14ft. 0in.
    Main level
  • Bedroom12ft. 0in. x 10ft. 0in.
    Main level
  • Room—
  • Kitchen15ft. 4in. x 12ft. 6in.
    Main level

Washrooms

  • 3-piece, Main
  • 2-piece, Lower

Municipality
St. Marys
Neighbourhood
St. Marys
Main cross streets
St. Maria St and Tracy St
Zoning
R5-5
Directions
Water St S to St. Maria St. to Right on Tracy St.
Waterfront
None

MLS® number
X13757042
Data source
Toronto Regional Real Estate Board
Listed on
2026-09-08
Updated on
2026-10-05
Days on market
39 days
Possession type
Flexible
Co-op commission
2.0% + HST
Seller
Listed by
Peak Select Realty Inc

Home Market Value

Current home valuation for 321 Tracy Street, St. Marys, St. Marys, ON. Listed for $600,000

HOMEH Estimate

?

$463,370

Estimated Sales Range

?

$397,174 - $612,956

HOMEH Estimate for 321 Tracy Street, St. Marys

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$463,370Low confidence
Based on 3 comparable properties
+ $136,630 (29%) above our estimate
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Marys, ON
Minimum Down Payment Required:5.8%

5% on first $500K + 10% on $100,000 over $500K

Minimum down payment

$35,000

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$22,584$16,740$14,280$0
=Total mortgage
$587,184$556,740$524,280$480,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,867monthly$2,718monthly$2,560monthly$2,344monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$8,475

Total Land Transfer Tax

$8,475

Around this home

3/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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St. Marys

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