The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
178 Thomas Street, St. Marys Completely renovated, move-in ready, and just a short walk from downtown St. Marys.Thoughtfully renovated down to the studs, 178 Thomas Street combines the charm and proportions of an established home with the comfort, efficiency and finishes of a fresh renovation. Step inside to a bright, airy and open main living space, where the spacious living and dining areas flow naturally into a beautiful new kitchen. Large new windows bring in plenty of natural light, while the generous kitchen offers excellent workspace, storage and a large island that creates a natural gathering place for everyday living and entertaining.The main-floor bedroom offers a particularly functional layout, featuring a walk-through closet leading directly to the main bathroom and laundry area-an excellent setup for anyone looking for the convenience of main-floor living.Upstairs you'll find two additional well-proportioned bedrooms, both with generous closet space, along with a new three-piece bathroom with shower. With three bedrooms and two bathrooms in total, the layout makes excellent use of the home's space without feeling cramped.The extensive renovation goes well beyond what you can see. The home features a new furnace, central air conditioning and air exchanger, plumbing, electrical along with new windows and updated finishes throughout. The result is a clean, comfortable home where the work has already been done.Outside, the manageable property offers room to enjoy without creating a long list of weekend chores, while the walkable St. Marys location puts downtown shops, restaurants and amenities within easy reach.Freshly renovated, nicely proportioned and truly move-in ready, 178 Thomas Street is an opportunity to simply unpack and enjoy. Flexible closing available.3 Bedrooms | 2 Bathrooms | Main-Floor Bedroom & Laundry | Extensive Renovation | New Furnace & A/C | Air Exchanger | New Windows | Walkable to Downtown
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Estimated Rental Income
Rental estimate coming soon
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A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$2,469/mo
Mortgage (principal + interest)$2,245
Property taxFrom listing: $2,692/yr$224
Minimum $35,000 down for this price; the slider moves in whole percent, starting at 6%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$120,000
Ontario land transfer taxProvincial brackets, no first-time refund$8,475
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$131,275
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Marys has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. The trademarks MLS®, Multiple Listing Service®, and the associated logos are owned by the Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
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