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.
**Have Questions? This listing features Talk to the Home. Call or text this home 24/7 and ask anything about the property, from room sizes and updates to features and neighbourhood information. 365-797-4663 **Welcome to this charming 2-bedroom, 1.5-storey home tucked away on a quiet dead-end street in St. Thomas. Full of character and warmth, this move-in-ready home offers the perfect blend of timeless charm and thoughtful updates.Step inside to beautiful hardwood flooring throughout the main level, a spacious kitchen with ample cabinetry and storage, a separate dining room, and a beautifully updated main bathroom. Upstairs, the primary bedroom has been transformed into a private retreat, featuring newly installed hardwood flooring, new windows, and a walk-in closet just outside the bedroom.Outside, you'll appreciate the covered front porch, perfect for relaxing with your morning coffee, as well as the rear mudroom that provides convenient everyday access. The large backyard offers plenty of space for children, pets, or entertaining, and includes a storage shed (2022).The full basement is dry, unspoiled, and offers excellent potential for future finishing.Notable updates include: Gas line installed/available for gas stove, updated windows throughout, a new electrical panel (2013), high-efficiency furnace (2016), a recently serviced furnace and hot water tank, a new washing machine (2022), a new shed (2022), and the addition of a convenient upper-level powder area.Whether you're a first-time buyer, downsizer, or investor, this charming home offers outstanding value, character, and room to grow in a peaceful neighbourhood close to schools, parks, shopping, and everyday amenities.
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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$1,815/mo
Mortgage (principal + interest)$1,590
Property taxFrom listing: $2,704/yr$225
Minimum $21,250 down for this price; the slider moves in whole percent, starting at 5%. 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$85,000
Ontario land transfer taxProvincial brackets, no first-time refund$4,975
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$92,775
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.
