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$575K · 3 bed Condo Townhouse · St. Marys, St. Marys | MyPropertyScout

$574,900

Unit 21

75 DOM

3375d

Map

⚡ Insider Deal

DOM 75

↓ $74KPrice Reduced

$574,900

↓ $74K

DOM75days

Unit 21

275 JAMES Street · St. Marys · Ontario N4X 0C2

MLS® X13095696 · St. Marys · N4X 0C2

33Vacant2000-2249 ft²Condo Townhouse1-car AttachedFull, Unfinished75d$271/ft²$1,111 tax/yrBuilt 20233 yrs oldFull, Unfinished

75 days on market

About this home

Welcome to Unit 21 at 275 James Street South - an exceptional 3-bedroom, 3-bathroom townhouse condo that blends modern design with practical, family-friendly living. Recently converted to individually titled units, this is a rare opportunity to own a newer, high-quality home in a well-built and thoughtfully planned community. Designed with both style and durability in mind, this home features triple-pane windows, a Vicwest steel roof, steel siding, and a concrete driveway, offering long-term pea…

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Property details

MLS#: X13095696
Status: Buy Now
Property class: Residential Condo & Other
Beds: 3
Baths: 3 full, 0 half
Rooms: 10
Kitchens: 1
Size: 2000-2249Exact finished sqft not on MLS feed (often MPAC-only on broker systems)
Basement: Full, Unfinished
Style: 2-Storey
Type: Condo Townhouse
Year built: 2023

Occupancy: Vacant
Washrooms: 2 pc · Main; 4 pc · Second; 5 pc · Second
Family room: No
Central vacuum: No
Ensuite laundry: Ensuite laundry

Roof: Metal
Foundation: Poured Concrete
Property features: Golf, Library, Park, Place Of Worship, School

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

Garage: 1-car Attached
Garage spaces: 1
Parking: 2 total
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Waterfront: No
Exterior: Brick, Concrete Poured · Deck, Privacy, Porch
Fronting on: —
Cross street: James Street S & Maxwell Street
Stories: 1
Utilities: —
Laundry: In-Suite Laundry, Inside
Interior: Air Exchanger, Auto Garage Door Remote, Carpet Free, ERV/HRV, Floor Drain, On Demand Water Heater, Water Heater Owned, Water Softener
Parking features: Private

Additional listing data

ListAOR: London and St. Thomas Association of REALTORS

Rooms

Room details

Seller signals

Price movement & seller pressure

↓ $74KPrice reduction

MLS shows the seller reduced the asking price by $74,100 (from $649,000 to $574,900).

Labels reflect MLS fields and listing history in our database — not an opinion on fair market value.

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX CENTRE CITY REALTY INC.

Source: TRREB/PROPTX · MLS® X13095696

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$575K

Unit 21 · Bryon Bertrim

Coach Home Wizard

Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $574,900✓ $1,111 tax✓ Gas✓ 2000-2249 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$4,312/mo

incl. closing costs (yr 1)

Annual total

$51,747

year 1

Mortgage only

$2,181/mo

principal + interest

Beyond mortgage

$1,009/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$114,980

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$93/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%$5,749/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

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$7,973

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)51% $26,172/yr

Property taxes18% $9,084/yr

Utilities8% $4,042/yr

Insurance & security3% $1,600/yr

Maintenance11% $5,749/yr

Closing costs10% $5,100/yr

Mortgage is 51% of your true cost of ownership. The other 49% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$26,172	$2,181/mo
Government & taxes
Property tax	$1,111	$93/mo
Land transfer tax(closing)	$7,973	$664/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%)	$5,749	$479/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	$51,747	$4,312/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 21

About this home

MyStreetValue™ Analysis

Property details

Additional listing data

Rooms

Price movement & seller pressure

Sales History

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Annual costs