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.
Welcome to 48 South Valerie Street, located in a sought-after, established and quiet Central Elgin neighbourhood on the edge of St. Thomas. Set on just under an acre, this two-storey home offers 4 bedrooms, 1.5 bathrooms, a detached double-car garage and plenty of potential to make it your own. The welcoming entry leads to a character-filled living room featuring a wood fireplace (not currently in use), flowing into the formal dining area with sliding doors to a deck overlooking the side yard. The kitchen offers ample space and access to a second deck, creating even more room to enjoy outdoor living. The main floor also features a primary bedroom with a convenient 2-piece ensuite. Upstairs, you'll find three good-sized bedrooms, a 4-piece bathroom and ample storage. The partially finished basement offers endless possibilities for additional living space, whether you envision a games room, home theatre, cozy family room or hobby space. There's also potential for an additional bedroom, office or den, along with a cold storage room, utility room and laundry area. Recent updates include R-22 blown-in attic insulation, upgraded electrical, copper and ABS/PEX plumbing, furnace and A/C (2018), basement wall improvements (2021), bathroom updates (2022) and pressure tank (2023). Outside, the expansive lot is ready for your backyard vision, while the long asphalt driveway accommodates up to 10 vehicles. If you're looking for space, a peaceful setting and an opportunity to add your own style, this property is full of possibilities!
Property Details
Listing
MLS® number
X14097788
Status
For Sale
Listed
Oct 20, 2026
Last updated
Oct 20, 2026
Possession
Flexible
Building
Type
Detached
Style
2-Storey
Approx. age
51-99
Approx. size
1,100–1,500 ft²
Basement
Partially Finished
Lot
Frontage
129.15 ft
Depth
322.13 ft
Lot area
≈ 41,603 ft² (calculated)
View
West
Community
Rural Central Elgin
Parking & utilities
Garage
Detached, Garage, 2 spaces
Driveway
Private, 6 spaces
Heating
Forced Air
Cooling
Central Air
Water / sewer
Not provided by brokerage
Taxes
Property tax
$3,687 / 2025
Condo fee
N/A
Source
Data source
TRREB (VOW feed)
Listed by
RE/MAX CENTRE CITY REALTY INC
Interior
Level
Room
Size
Features
Loading rooms…
Interior Features
Bedrooms above grade: 4
Kitchens: 1 above grade
Basement: Partially Finished
Heating: Forced Air
Cooling: Central Air
Fireplace: Yes
Fireplaces: 1
Exterior
Waterfront features: None
Pool features: None
Property features: Hospital, Library, Park, Place Of Worship, School, School Bus Route
Demographic data is not available for this area yet.
Population—
Median household income—
Median age—
Age Groups
Age group data is not available.
Owners vs Renters
Ownership data is not available.
Household Type
Household data is not available.
What’s NearbyDistances approximate
No nearby school data is available for this listing.
Transit score information is not available for this listing.
Nearby everyday places are not available for this listing.
Always confirm school catchments with the local school board.
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$2,552/mo
Mortgage (principal + interest)$2,245
Property taxFrom listing: $3,687/yr$307
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. Central Elgin 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.
