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St. Thomas, St. Thomas
$515,000
FEATURES OF THIS FINE HOME - Located on a quiet street in north St. Thomas, this well-maintained home offers convenient access to all amenities, with quick access to London and Highway 401. As you arrive, you'll appreciate the large front yard and paved driveway, which widens to a double wide drive to provide easy access to the attached single-car Garage. MAIN LEVEL - The welcoming Foyer overlooks the bright, west-facing Living Room, featuring newly installed carpet (2026). The formal Dining Room opens to a functional Kitchen with a solar tube that fills the space with natural daylight and 2 appliances are included. SECOND FLOOR - The second level offers 3 good-sized Bedrooms and an updated 4-piece Bath (Bath Fitter). LOWER LEVEL - A bright Recreation Room is highlighted by a full-width, floor-to-ceiling brick-faced wood-burning Fireplace (not certified). A convenient 2 piece Bath is located beside the rear-yard exit - a shower stall could potentially be re-installed. BASEMENT LEVEL - The basement is one large open room, providing excellent potential for future expansion, storage, or additional living space. The Laundry area includes a Washer and newer Dryer. REAR YARD - The fenced, park-like rear yard offers exceptional privacy and features a Sundeck, cedar Gazebo, mature trees and beautiful flower gardens - an ideal space for relaxing or entertaining. UPGRADES & RENOVATIONS - Centennial windows - 1999, Shingles - approximately 2022, Furnace - approximately 2025, Owned hot water tank - approximately 2024. WHAT'S NEXT? - Once you've had the opportunity to see this home in person, you'll appreciate the convenient location, space and privacy knowing that this would be the perfect place to call home!
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| Type | Detached |
| Style | Sidesplit 4 |
| Approx. Age | 31-50 |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,702 |
| Lot Size | 63.76 ft x 109.43 ft |
| mls© Number | X13685982 |
| Listed By | COLDWELL BANKER STAR REAL ESTATE |
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%
- $2,636
- Property tax
- $309
- Heat allowance
- $150
- Housing costs
- $3,095 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$95,000
gross annual household income
- Payment at 4%
- $2,167 / mo
- Cash down
- $103,000
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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