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$642K · 3+1 bed Condo Townhouse · St. Marys, St. Marys | MyPropertyScout

$642,000

Unit 13

60 DOM

3+1460d

Map

⚡ Insider Deal

DOM 60

↓ $37,900Price Reduced

$642,000

B●●●○○DOM60days

Unit 13

275 James Street · St. Marys · Ontario N4X 1C6

MLS® X13070130 · St. Marys · N4X 1C6

3+14Vacant2000-2249 ft²Condo Townhouse1-car Attached60d$302/ft²$0 tax/yrBuilt 20233 yrs old

1% below market · 60 days on market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Welcome to Unit 13 at 275 James Street South in St. Marys - one of the largest townhouse condos in town and a rare opportunity to secure a newer, premium-finished 4 bedroom, 4 bathroom home with exceptional space, flexibility, and low-maintenance living. With the conversion to individually titled condos now complete, buyers can move forward with confidence. The monthly condo fee is just $205 and is set to cover major exterior components including the roof, windows, brick, siding, composite decks…

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Property details

MLS#: X13070130
Status: Buy Now
Beds: 3+1
Baths: 4 full, 0 half
Size: 2000-2249
Style: 2-Storey
Type: Condo Townhouse
Year built: —

Roof: Metal
Foundation: Poured Concrete

Condo corp #: 73
Balcony: None
Locker: None
Association amenities: None
Fees include: Building Insurance Included, Parking Included
Pets: Yes-with Restrictions

Garage: 1-car Attached
Garage spaces: 1
Parking: 3 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Metal/Steel Siding · Deck
Fronting on: —
Cross street: James Street S & Maxwell Street
Basement: Finished, Full
Stories: 1
Utilities: —
Laundry: Laundry Room, In-Suite Laundry
Interior: Air Exchanger, Water Softener, Water Heater Owned, Carpet Free, In-Law Capability, On Demand Water Heater
Parking features: —

Rooms

Level	Room	Dimensions
Main	Foyer	2.57m × 6.16m
Main	Bathroom	2m × 1.5m
Main	Kitchen	3.1m × 2.84m
Main	Dining Room	2.71m × 4.99m
Main	Living Room	3.1m × 6.33m
Second	Primary Bedroom	3.02m × 6.35m
Second	Bathroom	2.49m × 2.33m
Second	Bathroom	3.33m × 2.24m
Second	Bedroom 2	2.86m × 7.11m
Second	Bedroom 3	2.84m × 5.87m
Basement	Bathroom	3.44m × 2.08m
Basement	Recreation	5.78m × 5.41m
Basement	Bedroom 4	2.81m × 3.94m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: Coldwell Banker Homefield Legacy Realty

Source: TRREB/PROPTX · MLS® X13070130

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$642K

Unit 13 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $642,000✓ $0 tax✓ Gas✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,847/mo

incl. closing costs (yr 1)

Annual total

$58,164

year 1

Mortgage only

$2,436/mo

principal + interest

Beyond mortgage

$1,177/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$128,400

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$0/mo

Utilities

Hydro / electricity$82/mo

≈ $0.07/ft² × ~2,125 ft² · ON avg ~$82/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$6,420/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Condo / HOA fees (mo)$17/mo

From listing or typical fee

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$9,315

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)50% $29,227/yr

Property taxes16% $9,315/yr

Utilities7% $4,042/yr

Insurance & security3% $1,600/yr

Maintenance11% $6,420/yr

Condo fees4% $2,460/yr

Closing costs9% $5,100/yr

Mortgage is 50% of your true cost of ownership. The other 50% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$29,227	$2,436/mo
Government & taxes
Land transfer tax(closing)	$9,315	$776/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$982	$82/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$6,420	$535/mo
Condo fees
Condo / HOA fees	$2,460	$205/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$58,164	$4,847/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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Unit 13

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs