119 Water Street S, St. Marys, ON N4X 1C9
Listed by Leslie Monroe • Real Broker Ontario Ltd.
119 Water Street S , St. Marys, ON N4X 1C9
$ 565,000
Bed Rooms
--
Bath Rooms
--
SqFt
1,986
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Virtual Tour
31 photos
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Year Built
1900
ON MARKET
211
Property Type
Commercial
Price per Sqft
$284
Car Garage
3.0
Property Details
Key Details
Sub Type
Building and Land
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,986 sqft
MLS Listing ID
40810743
Abv Grd Liv Area
1,986
Annual Tax Amount
$6,384
Property Sub-Type
Building and Land
Source
Cornerstone
Location
Province
ON
County
Perth
Area
St. Marys
Zoning
C1
Direction
Queen Street E. to Water Street.
Rooms
Basement
Full
Kitchen
0
Interior
Fireplace
No
Exterior
Exterior Feature
Storage
Parking Features
Detached Garage
Utilities Available
Electricity Connected, Garbage/Sanitary Collection, Natural Gas Connected, Recycling Pickup, Street Lights
Lot Frontage
70.5
Lot Depth
158.0
Garage
No
Building
Lot Description
Rectangular, Ample Parking, City Lot, Hospital, Schools
Faces
Queen Street E. to Water Street.
Story
2
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Structure Type
Brick
New Construction
No
Others
Senior Community
No
Tax ID
532480060
Ownership
Freehold/None
Virtual Tour
https://youriguide.com/119_water_st_s_st_marys_on/
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Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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119 Water Street S

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Navjot Singh

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