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Coldwell Banker Summit Realty

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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage — RECO Registration #6018570.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 77 days

    109 James Street S

    St. Marys·St. Marys, ON·N3A 2P3·Near Elgin St E

    • 3 beds
    St. Marys real estate›X12144643
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Rare find! attention investors, fully rented legal Duplex built in 2024, two bungalow units up and down) with separate entrances. Each unit offers; three bedrooms ( primary bedroom with walk-in closet ), two full baths including primary en-suite, open concept floor plan, carpet free, large eat-in kitchen with four stainless steel appliances, spacious living/dining room, in-suite laundry room with washer and dryer with additional storage area, each unit has it's own high efficiency heat pump and ductless central air conditioning, each has 2 parking spots. Rents are: Upper unit: $1900 plus all utilities. Lower level:$1800 plus all utilities. Water heater is owned. Water softener is rental for $28 per month per unit. Total gross income of $44,400.00 per year with very little maintenance and operating cost.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    AI highlights by Zara
    • Rents are: Upper unit: $1900 plus all utilities.
    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    May 13, 2025ListedCurrentFor sale$729,900 —X12144643This page
    Jan 3, 2025Previously listedExp$729,000 —X11907055View
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 109 James Street S
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $3,586
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $242
    0.40% mill rate · ON
    The market

    How this home sits in the St. Marys market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The St. Marys market right now

    Average sold price, days on market, and closed-transaction count for St. Marys — sourced from MLS®.

    • Avg sold price
      $572,295
      Last 30 days
    • Median sold price
      $574,000
      Middle of the market
    • Days on market
      93 d
      Avg from list to close
    • Closed last 30d
      39
      MLS® transactions
    Full St. Marys market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 109 James Street S — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 109 James Street S and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 109 James Street S listed for?

      109 James Street S is listed at $729,900 on the MLS® (listing X12144643). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 109 James Street S have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 4 baths
  2. 1100-1500 sqft
  3. Duplex
  4. Built 6-15
  5. Asking
    $729,900
    $0 / sqft · MLS® X12144643
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $572,295
    $526,511Confidence range$618,079
    Asking vs estimate
    ↑↑well-above
    +$157,605
    (+27.5%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Marys sell in about 93 days — this one has been listed 77 days.

    Avg sold price
    $572,295
    Median sold
    $574,000
    Avg days on market
    93
    Recently sold
    39
    See comparable sales
  7. Lower level:$1800 plus all utilities.
  8. Water heater is owned.
  9. Water softener is rental for $28 per month per unit.
  10. Ask Zara a follow-up
    Sewer
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    4
    Driveway
    Private Double
  12. Interior

    4
    Basement
    None
    Family room
    N
    Kitchens
    1
    Total rooms
    8
  13. Exterior & construction

    4
    Exterior
    Brick, Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Pool
    None
  14. Lot & land

    2
    Year built
    6-15
    Zoning
    R3
  15. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    2-Storey
    Property class
    Duplex
  16. Combined estimate
    $3,828
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $3,586
    /mo
    based on the purchase price of $729,900
    $145,980 cash
    $583,920 financed
    $491,814 total interest
    Monthly payment$3,586/ month
    Principal54%$583,920
    Interest46%$491,814

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable duplexs that just sold in St. Marys

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 198 WATER Street
      Sold
      Sign in for price
      198 WATER Street
      Duplex
    • 197 Jones Street
      Sold
      Sign in for price
      197 Jones Street
      Duplex
    • 61 Water Street
      Sold
      Sign in for price
      61 Water Street
      Duplex
    AddressBd / BaSqftSold$/sqft% of askSold
    109 James Street SThis home3 / 411,001,500$729,900ask———
    198 WATER Street4 / 21,500—
    197 Jones Street4 / 2——
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More duplexs in St. Marys

    Active listings within ±20% of this asking price.

    • 84 Church Street
      $845,900
      84 Church Street
      Duplex 4 3
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  17. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  18. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  19. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  20. Public listing courtesy of ENGEL & VOLKERS WATERLOO REGION · displayed on Summitly per MLS® data-share rules

    109 James Street S is a 3-bedroom, 4-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  21. When was 109 James Street S built?

    109 James Street S was built in 6-15. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  22. What is the property tax for 109 James Street S?

    The 'Property tax' tab in the History section shows the most recent annual tax for 109 James Street S plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  23. How much would the monthly mortgage be on 109 James Street S?

    The affordability calculator on this page shows an estimated monthly mortgage for $729,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  24. Has 109 James Street S been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 109 James Street S with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  25. What neighbourhood is 109 James Street S in?

    109 James Street S is in St. Marys, St. Marys. The 'Neighbourhood' section below links to the live St. Marys real estate hub with average sold price, days on market, and current inventory.

  26. Is St. Marys a good place to live?

    St. Marys is one of ON's actively-tracked Summitly markets. The full St. Marys real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  27. 61 Water Street
    4 / 2
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