A masterclass in historic preservation and modern luxury. Nestled in a coveted enclave on a quiet cul-de-sac in scenic Gananoque, this classic red brick home has been painstakingly preserved and expanded with a grand stone addition and striking chimney. Offering 3 bedrooms, 3 full baths, and peak views of the St. Lawrence River, this residence is a rare jewel at the Gateway to the Thousand Islands.Beyond the restored front veranda and heated vestibule, the interior blends timeless soul with elite finishes. Original 1900s crown moldings, iron radiators, and the grand staircase have been meticulously restored alongside brand-new wide-plank natural Hickory floors, custom Hunter-Douglas shutters, vintage-style Emtek hardware and Quorum & Metropolitan lighting with dimmers throughout. Three stunning gas fireplaces anchor the family room, great room, and living room. The gourmet kitchen is a chef's dream, featuring a premium Wolf-SubZero appliance suite, Cove dishwasher, bar/wine fridges, garburator, separate filtered drinking water and a Shaw farmers sink with a rubbed bronze Waterstone faucet.Upstairs, the deluxe primary suite boasts a custom window seat, walk-in closet, an ensuite with a Victoria & Albert freestanding slipper tub and glass shower. Two additional bathrooms feature vintage-style bronze Moen fixtures and a cast-iron double slipper tub. Seamless modern upgrades include double-hung Pella windows, central A/C, Culligan water system, Generac generator, and a full security system.The exterior is an entertainer's paradise, showcasing custom hand-wrought ironwork, a cobblestone driveway, a private courtyard with a fountain, and a back terrace with a gas BBQ hookup-all surrounded by lush landscaping with automated nightscaping and underground sprinkler systems. A heated two-car garage with vintage-style doors completes this turnkey estate. Located a short walk from the Gananoque Marina and world-class dining like Riva, this is sophisticated living at its finest.
3 bedrooms, 3 bathrooms, about 3,000 sq ft, works out to roughly $665 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 40 Church St
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
Crawl Space, Partial Basement
Features & systems
Parking & garage
Garage
Yes
Parking spaces
6
Interior
Basement
Crawl Space · Partial Basement
Lot & land
Lot size (sqft)
0.215
Listing & possession
Property style
2-Storey
Property class
Detached
40 Church 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® X13449218$1,995,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 40 Church St Compares to the Gananoque 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 →
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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
$9,801
/mo
based on the purchase price of $1,995,000
$399,000 cash
$1,596,000 financed
$1,344,251 total interest
Principal54%$1,596,000
Interest46%$1,344,251
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 Gananoque
Other 2–4 bed homes for sale in Gananoque around $2.0M.
Average days on market51Homes sold in about 51 days on average.
Sale-to-list ratio95.2%On average, homes sold below asking.
Active listings68Homes for sale here right now.
Median vs prior 90 days−9.0%Compared with Apr 25 – Jul 24, 2026: prices down.
Based on 39 sales from Jul 24 – Oct 22, 2026 (27 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 40 Church St
How much is 40 Church St listed for?
40 Church St is listed at $1,995,000 (MLS® X13449218). Summitly updates the price as soon as the MLS® record changes.
Is $1,995,000 a good price for 40 Church St?
Summitly rates it Well Above Market: the asking price is 15% or more above Zara's estimate, an estimate built from recent sales in Gananoque. 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 40 Church St changed?
No — 40 Church St is still listed at its original asking price of $1,995,000.
How many bedrooms and bathrooms does 40 Church St have?
40 Church St has 3 bedrooms and 3 bathrooms, with about 3,000–3,500 square feet of living space. It is a detached home in Gananoque.
How much would the monthly mortgage be on 40 Church St?
About $9,801 a month — principal and interest on $1,995,000 with 20% down ($399,000), 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 40 Church St compare with other homes in Gananoque?
Its asking price of $1,995,000 is about 313% above the median sold price in Gananoque over the last 90 days, $482,500, across 39 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 40 Church St been sold before?
Summitly has no earlier MLS® sale or lease of 40 Church St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 40 Church St?
40 Church St is in Gananoque, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 40 Church St been on the market?
128 days — 40 Church St was listed on June 16, 2026.
What is the price per square foot of 40 Church St?
About $570 to $665 per square foot: the asking price of $1,995,000 over the 3,000–3,500 sq ft the listing gives as its size range.
Does 40 Church St have parking or a garage?
Yes — the listing gives 6 parking spaces. Garage: Yes.
Does 40 Church St have a basement, and is it finished?
The listing describes the basement as: Crawl Space, Partial Basement.
