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.
Warm, welcoming, and thoughtfully designed, this charming 1,010 sq. ft. bungalow proves that great things come in smaller packages. Every inch of this beautifully maintained home has been maximized for comfortable everyday living, while the professionally finished lower level adds exceptional space and versatility.Nestled on a quiet street in northeast St. Thomas, just 10-15 minutes south of London, this inviting 3+2 bedroom home features a bright open-concept layout and tasteful updates throughout. The kitchen offers quartz countertops and is complemented by newer flooring, modern lighting, and fresh paint throughout most of the home. An updated main bathroom completes the move-in-ready interior.The finished lower level expands the home's functionality with two spacious bedrooms featuring oversized egress windows, a full bathroom, and a generous recreation room-perfect for family movie nights, guests, a home office, or multi-generational living.Outside, enjoy a freshly re-sodded yard, widened and replaced driveway, new insulated garage door, backyard shed, and a new furnace (November 2024), providing comfort and peace of mind.Ideally located near parks, walking trails, Dalewood Conservation Area, Kettle Creek Dog Park, and a preschool/daycare just around the corner, this home offers the perfect balance of efficient living, thoughtful updates, and a family-friendly neighbourhood. If you've been searching for a home that's easy to maintain without sacrificing comfort or flexibility, this one is sure to impress.
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What’s NearbyDistances approximate
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Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
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$2,619/mo
Mortgage (principal + interest)$2,282
Property taxFrom listing: $4,048/yr$337
Minimum $35,990 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$121,980
Ontario land transfer taxProvincial brackets, no first-time refund$8,673
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$133,453
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Thomas 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.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
