How can Zara help?Zara · AI virtual agent · 24/7 · free
Zara is an AI virtual agent. Advisors are licensed REALTORS® at Coldwell Banker Summit Realty, Brokerage.
4 Bed, 4 Bath Detached Home in St. Joseph
About 1173 Richards Street
A rare double lot with 139 feet of sandy, sheltered frontage on Lake Huron's St. Joseph Channel - in the heart of downtown Richards Landing, an area positioned for continued commercial and mixed-use growth. Waterfront properties of this size, in this location, rarely come to market and represent a long-term value play as the village develops. The 2-storey home delivers the full spectrum of waterfront living: glassy sunsets viewed from a spectacular glass-wrapped sunroom, a sheltered spot to dock your boat, and safe, sandy-bottom swimming just steps from the deck and patio. West-facing across open water dotted with islands, the sunset views alone set this property apart. The home also offers an updated kitchen, hardwood floors, two full baths plus a half bath, three bedrooms, and a steel shingle roof. The detached double garage includes a self-contained second unit, including another full bathroom, offering turnkey income potential as an Airbnb suite or family guest quarters. Walk to the marina, restaurant, grocery store, hospital, pharmacy, and school, all on municipal water/sewer with fiber internet coming. Survey on file; shore road allowance already owned. A double waterfront lot in a growth-positioned downtown core, with existing income potential built in - this can be as much a land-banking opportunity as a home purchase.
4 bedrooms, 4 bathrooms, about 1,500 sq ft, works out to roughly $617 per square foot, the bed-to-bath ratio is generous. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 1173 Richards St
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Basement
Unfinished, Full
Features & systems
Parking & garage
Garage
Yes
Interior
Basement
Unfinished · Full
Lot & land
Lot size (sqft)
0.54
Listing & possession
Property style
2-Storey
Property class
Detached
1173 Richards St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13887808$925,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 1173 Richards St Compares to the St. Joseph Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Zara’s estimate
There isn’t enough local sales data to estimate this home’s value yet. The comparable sales and market numbers are the best guide.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$4,544
/mo
based on the purchase price of $925,000
$185,000 cash
$740,000 financed
$623,274 total interest
Principal54%$740,000
Interest46%$623,274
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
Own a home on Richards Street? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 1173 Richards St with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 1173 Richards St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
A licensed local agent
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Similar homes for sale nearby in St. Joseph
Other 3-bed homes for sale in St. Joseph around $925K.
Not enough recent sales in St. Joseph to publish sold figures (fewer than 5 in the last 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 1173 Richards St
How much is 1173 Richards St listed for?
1173 Richards St is listed at $925,000 (MLS® X13887808). Summitly updates the price as soon as the MLS® record changes.
Has the price of 1173 Richards St changed?
No — 1173 Richards St is still listed at its original asking price of $925,000.
How many bedrooms and bathrooms does 1173 Richards St have?
1173 Richards St has 4 bedrooms and 4 bathrooms, with about 1,500–2,000 square feet of living space. It is a detached home in St. Joseph.
How much would the monthly mortgage be on 1173 Richards St?
About $4,544 a month — principal and interest on $925,000 with 20% down ($185,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
Has 1173 Richards St been sold before?
Summitly has no earlier MLS® sale or lease of 1173 Richards St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 1173 Richards St?
1173 Richards St is in St. Joseph, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 1173 Richards St been on the market?
55 days — 1173 Richards St was listed on August 18, 2026.
What is the price per square foot of 1173 Richards St?
About $463 to $617 per square foot: the asking price of $925,000 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 1173 Richards St have parking or a garage?
Garage: Yes.
Does 1173 Richards St have a basement, and is it finished?
The listing describes the basement as: Unfinished, Full.
What is the lot size of 1173 Richards St?
The lot is 25.995 acres, as published in the listing.
What is the land transfer tax on 1173 Richards St?
About $14,975 in Ontario land transfer tax at the asking price of $925,000. First-time buyers can get up to $4,000 back. Legal fees and other closing costs are extra.
