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43 Hemlock Street

St. Thomas, St. Thomas

$489,000

Detached|2-Storey
3 | 3 | 3
About this home

Nestled in a desirable ravine setting, this charming 3-bedroom home blends timeless character with thoughtful modern updates. Large windows throughout fill the home with natural light, while the spacious kitchen offers ample cabinetry and room for expansion. The generous dining room is perfect for hosting family gatherings and entertaining. The primary bedroom features a double closet, dedicated shoe closet, and original built-in storage, complemented by a large hallway linen closet and abundant storage throughout. Basement has legal egress window, new gas line for the gas fireplace, beautiful 4 piece bath and abundant storage. Outside, the expansive backyard is a gardener's dream with endless potential to create your own outdoor oasis, while the detached garage offers electricity and convenient overhead storage. Enjoy your morning coffee or evening relaxation in the enclosed front porch. Recent updates include a furnace and central air conditioning (2021), basement waterproofing, 4" spray foam insulation, sump pump and backwater valve (2022), triple-pane bedroom windows (2022), new carpeting (2022), R-60 attic insulation (2022), a new triple-pane kitchen window, LeafFilter gutter protection and gutter realignment (2020), and electrical upgrades including 200-amp service completed in 2018. This well-maintained home offers comfort, efficiency, and a beautiful natural setting in a sought-after location.

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Milad Momtaz Azad
Milad Momtaz Azad
(647) 510-8858
Julian Kashani
Julian Kashani
(416) 837-7775
TypeDetached
Style2-Storey
Approx. Age100+
Size1100-1500 sq. ft.
Property Tax$2,790
Lot Size34.85 ft x 266.68 ft
mls© NumberX13490104
Listed ByCENTURY 21 HERITAGE HOUSE LTD

Listing History

  • No recent sale history for this listing.
  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$2,503
Property tax
$232
Heat allowance
$150
Housing costs
$2,885 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $97,800
25-yr amortization

Income needed

$89,000

gross annual household income

Payment at 4%
$2,058 / mo
Cash down
$97,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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