For Sale
$824,900
466 Water Street S, St. Marys, ON
St. Marys, St. Marys
3 bd3 ba1,750 sqftDetached
Details
~$4,189/mo to carry, est.
$471/sqft
Listed by RE/MAX A-B Realty Ltd.
St. Marys, St. Marys, ON N4X 1B8
From PropTx
$499,000
As listed by the seller and their brokerage. It is a request, not a valuation, and nothing tests it until an offer arrives.
From MyNest360
The tools we build on top of the listing, each figure sourced and none of it PropTx data: what the house really costs to hold, what it costs to borrow against, and the inspection to book before your conditions come off.
From PropTx
The price, facts, description and history exactly as the feed states them. Nothing in this section is our own estimate.
Counts and measurements as the listing states them, not verified by us. Source: PropTx
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.
What comes from PropTx, and what is ours
The price, address, room and size figures, description and days on site are sourced from PropTx and can lag the live listing. The map placement and the cost, offer, insurance and rental tools below are our own work, not PropTx data. Anything we have modelled rather than sourced carries an Est. tag.
1 event between Sep 10, 2026 and Sep 10, 2026.
Asking price moved from $499,000 on Sep 10, 2026 to $499,000 on Sep 10, 2026, a change of $0.
Fall is settling in, and this charming-meets-spacious 3-bed, 2.5-bath home is ready for the cozy season ahead. It offers over 1,100 sq ft above grade, plus a beautifully partially finished lower level, perfect for crisp evenings in with a movie once the days start cooling down.The deep 48.6 x 150 ft treed lot is just beginning to turn, with a private, shaded backyard, a rear deck ideal for early-fall dinners outside, and plenty of space for a game of catch. Enjoy an easy walk to downtown for boutique shopping and one last stretch of patio season, hit nearby trails for crisp morning strolls, and grab a season ending ice cream sundae at Hearns Dairy just steps away. Inside, an oversized living room with 12' ceilings and large sunny windows sets the tone, filling the space with warm autumn light. The eat-in kitchen has abundant cabinetry and a window overlooking the leafy backyard. There are three bedrooms and 2.5 baths, including a 4-piece bath, a main-floor shower bath, and a lower-level powder room. The partially finished lower level adds a family room, wet bar, laundry, and flexible bonus space. Blending 1890s character, high baseboards and clever hidden-style storage, with modern comfort, this home also features newer windows, a 2022 furnace and central air, and an owned water softener. Make this your home base in St. Marys this fall.
Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.
The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.
On the record, and not one of the groups above.
1 years, from $2,990 in 2026 to $2,990 in 2026.
Neighbourhood market statistics is not shown here
Not shown: our current listing agreement does not licence this figure for display.
Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.
Every home of this type in St. Marys that has sold in the last 3 years.
Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.
Sourced from: PropTx. Last updated Sep 10, 2026.
From MyNest360
None of this is PropTx data. Each figure is our own and carries its source: the true cost to own, the mortgage studio, the inspection plan, and the rest.
Two figures stand against this house for two different purposes, the asking price and the assessment, so they do not agree and were never meant to. The gap is worked out here rather than left for you to hold in your head.
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.
At 20% down and 4.28% fixed, the all-in monthly cost works out to $2,560. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
At 20% or more there is no CMHC premium.
20% down · 4.28% indicative 5-yr fixed · The number of years the whole balance is paid off over. A longer amortization lowers the monthly payment and raises the total interest.. $2,990 for 2026, from the tax figure stated on the listing, divided by twelve. That is what the current owner pays, as the listing states it. That twelfth is the annual amount levelled across the year and not a payment you will make on any date. How a municipality actually collects it is set out in documents nobody here has read.; heat and utilities estimated. Figures illustrative.
Compare lenders and private optionsIt asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.
Connect with Tara
Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.
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Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
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