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St. Thomas, St. Thomas
$440,000
**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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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | Not available |
| Size | 700-1100 sq. ft. |
| Property Tax | $2,704 |
| Lot Size | 30.75 ft x 122.17 ft |
| mls© Number | X13623026 |
| Listed By | RIGHT AT HOME REALTY |
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%
- $2,252
- Property tax
- $225
- Heat allowance
- $150
- Housing costs
- $2,627 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$81,000
gross annual household income
- Payment at 4%
- $1,852 / mo
- Cash down
- $88,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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