Downsizing this fall? This one makes it easy.This freehold bungalow townhome sits on a quiet cul-de-sac in St. Marys. You get low-maintenance, one-level living with no condo fees. There's 1580 sq. ft. of finished space, and downtown shops and cafés are a short walk away.The main floor is bright and open with 9-foot tray ceilings and carpet-free flooring. The kitchen has a central island and overlooks the living and dining area. Step out to the rear patio with awning for your morning coffee. The treed backdrop makes it a great spot to watch the leaves turn.Both bedrooms are on the main floor. The 3-piece bath was updated in 2026 with a new oversized walk-in shower and built-in bench, a smart choice for aging in place. There's a large storage closet too. Inside entry from the attached garage means you won't be heading out into the cold this winter.The partially finished lower level gives you room when family visits. There's a roomy rec room and a second bathroom, plus flexible space for guests or a home office.You also get a covered front porch, and the private backyard has a garden shed. It's easy bungalow living with modern finishes in one of Ontario's prettiest small towns.Welcome to St. Marys.
2 bedrooms, 1 bathroom, about 1,100 sq ft, works out to roughly $545 per square foot. Chat with Zara if you'd like a deeper read on whether this townhouse fits your budget and timing.
Inside 321 Tracy St
Every detail from the listing, in one place.
Type
Townhouse
Style
Bungalow
Living space
1100-1500 sq ftas stated on the listing
Lot size
30.00 x 175.005554.17 sq ft
Parking
3 spacesYes garage
Basement
Full
Features & systems
Parking & garage
Garage
Yes
Parking spaces
3
Interior
Basement
Full
Lot & land
Lot dimensions
30.00 x 175.00
Lot size (sqft)
5554.17
Lot features
Irregular Lot
Listing & possession
Property style
Bungalow
Property class
Att/Row/Townhouse
321 Tracy 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® X13757042$600,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 321 Tracy St Compares to the St. Marys Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
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
$2,948
/mo
based on the purchase price of $600,000
$120,000 cash
$480,000 financed
$404,286 total interest
Principal54%$480,000
Interest46%$404,286
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.
For homeowners nearby
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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 2–3 bed homes for sale in St. Marys around $600K.
Average days on market72Homes sold in about 72 days on average.
Sale-to-list ratio97.4%On average, homes sold below asking.
Active listings65Homes for sale here right now.
Median vs prior 90 days−3.4%Compared with May 6 – Aug 4, 2026: prices down.
Based on 36 sales from Aug 4 – Nov 2, 2026 (40 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 321 Tracy St
How much is 321 Tracy St listed for?
321 Tracy St is listed at $600,000 (MLS® X13757042). Summitly updates the price as soon as the MLS® record changes.
Is $600,000 a good price for 321 Tracy St?
Summitly rates it Above Market: the asking price is 5% to 15% above 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 321 Tracy St changed?
No — 321 Tracy St is still listed at its original asking price of $600,000.
How many bedrooms and bathrooms does 321 Tracy St have?
321 Tracy St has 2 bedrooms and 1 bathroom, with about 1,100–1,500 square feet of living space. It is a townhouse in St. Marys.
How much would the monthly mortgage be on 321 Tracy St?
About $2,948 a month — principal and interest on $600,000 with 20% down ($120,000), 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.
How does 321 Tracy St compare with other homes in St. Marys?
Its asking price of $600,000 is about 10% above the median sold price in St. Marys over the last 90 days, $545,500, across 36 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 321 Tracy St been sold before?
Summitly has no earlier MLS® sale or lease of 321 Tracy St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 321 Tracy St?
321 Tracy St is in St. Marys, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 321 Tracy St been on the market?
55 days — 321 Tracy St was listed on September 8, 2026.
What is the price per square foot of 321 Tracy St?
About $400 to $545 per square foot: the asking price of $600,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 321 Tracy St have parking or a garage?
Yes — the listing gives 3 parking spaces. Garage: Yes.
Does 321 Tracy St have a basement, and is it finished?
