164 Church St N is a 4-bedroom, 2-bathroom detached home in St. Marys, listed for $821,000. It has 3000-3500 sq ft of living space.
1Welcome to 164 Church St.
2A short walk south leads to historic downtown St.
3Marys with it's beautiful limestone structures, or you can meander one street over to walk the Grand Trunk Trail with breathtaking panoramic views of both town and country.
Welcome to 164 Church St. N., St. Marys. This extraordinary 1880 home was originally constructed by William Irvine, a local carpenter, with assistance from James Spearin, a carpenter from Limerick, Ireland who took possession in 1885. The construction of the home, with the yellow field brick and red brick quoins and voussoirs and semi-circular cranberry glass window over the entrance lend an impressive appearance, as do the very large windows on the 1990 addition at the back of the house, more than doubling the square footage. Highlights of the home include the original staircase with cherry handrail and octagonal tapered oak spindles. The addition ties in seamlessly to the original structure, featuring a two-story great room with stunning floor-to-ceiling gas fire place constructed by stonemason Sandy McLean, enormous windows letting in abundant natural light, wood floors, and a back staircase leading to the upstairs bedroom hallway outside the Primary bedroom with Ensuite bath. An open walkway looking down onto the great room leads to the bedrooms and bathroom that are part of the original home.The lot is huge, with potential for severance, and hosts breathtaking perennial gardens, pathways, hidden sitting areas and water features. A short walk south leads to historic downtown St. Marys with it's beautiful limestone structures, or you can meander one street over to walk the Grand Trunk Trail with breathtaking panoramic views of both town and country.
4 bedrooms, 2 bathrooms, about 3,000 sq ft, works out to roughly $274 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 164 Church St N
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
3000-3500 sq ftas stated on the listing
Parking
6 spacesYes garage
Basement
Walk-Up, Full
Features & systems
Parking & garage
Garage
Yes
Parking spaces
6
Interior
Basement
Walk-Up · Full
Lot & land
Lot size (sqft)
19528.39
Listing & possession
Property style
2-Storey
Property class
Detached
164 Church St N Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14103296$821,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 164 Church St N Compares to the St. Marys Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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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
$4,033
/mo
based on the purchase price of $821,000
$164,200 cash
$656,800 financed
$553,198 total interest
Principal54%$656,800
Interest46%$553,198
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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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.
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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. Marys
Other 3–5 bed homes for sale in St. Marys around $821K.
Average days on market69Homes sold in about 69 days on average.
Sale-to-list ratio97.5%On average, homes sold below asking.
Active listings68Homes for sale here right now.
Median vs prior 90 days+6.1%Compared with Apr 24 – Jul 23, 2026: prices up.
Based on 45 sales from Jul 23 – Oct 21, 2026 (36 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 164 Church St N
How much is 164 Church St N listed for?
164 Church St N is listed at $821,000 (MLS® X14103296). Summitly updates the price as soon as the MLS® record changes.
Is $821,000 a good price for 164 Church St N?
Summitly rates it Excellent Deal: the asking price is 10% or more below Zara's estimate, an estimate built from recent sales in St. Marys. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 164 Church St N changed?
No — 164 Church St N is still listed at its original asking price of $821,000.
How many bedrooms and bathrooms does 164 Church St N have?
164 Church St N has 4 bedrooms and 2 bathrooms, with about 3,000–3,500 square feet of living space. It is a detached home in St. Marys.
How much would the monthly mortgage be on 164 Church St N?
About $4,033 a month — principal and interest on $821,000 with 20% down ($164,200), 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.
How does 164 Church St N compare with other homes in St. Marys?
Its asking price of $821,000 is about 43% above the median sold price in St. Marys over the last 90 days, $574,000, across 45 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 164 Church St N been sold before?
Summitly has no earlier MLS® sale or lease of 164 Church St N on record from the last two years. Older records aren't shown under TRREB rules.
Where is 164 Church St N?
164 Church St N is in St. Marys, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 164 Church St N been on the market?
164 Church St N was listed today (October 21, 2026).
What is the price per square foot of 164 Church St N?
About $235 to $274 per square foot: the asking price of $821,000 over the 3,000–3,500 sq ft the listing gives as its size range.
Does 164 Church St N have parking or a garage?
Yes — the listing gives 6 parking spaces. Garage: Yes.
Does 164 Church St N have a basement, and is it finished?
The listing describes the basement as: Walk-Up, Full.
