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St. Thomas, St. Thomas
$389,900
Welcome to 125 Curtis Street! This well-maintained 3-bedroom, 1.5-bath home is centrally located within walking distance of downtown St. Thomas and offers plenty of updates throughout. The main floor features an enclosed front sunroom/porch, separate dining room, comfortable living room, powder room and rear mudroom with access to the back deck. The updated kitchen features new countertops, backsplash, sink (2020) and refaced cupboard doors (2024). Upstairs are three bedrooms, including a spacious primary with a walk-in closet refinished in 2023 and a hidden door providing access to the attic/loft, plus an updated 4-piece bathroom. The spray-foamed attic/loft (2020) was refinished in 2023, offering flexible additional space and storage potential. Other updates include new windows (2020) with transferable lifetime warranty, main-floor flooring (2021, excluding rear mudroom and powder room), toilets in both bathrooms (2020/2023), and knob-and-tube wiring removed in 2020, excluding one line serving the attic switch. The full basement offers laundry, storage and flexible additional space, plus an owned hot water heater (2020). Outside, enjoy a private fenced backyard, rear deck with repaired stairs and new railing (2026), updated front porch with new exterior steps (2026), and a one-car garage with new garage door (2020). Private parking accommodates 2 vehicles in the driveway plus 1 in the garage. Roof shingles were reportedly replaced in 2018, as per the previous owner. Close to downtown, shopping, dining, parks and everyday amenities, this home offers a great combination of character, updates and convenience.
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| Type | Detached |
| Style | 2-Storey |
| Approx. Age | Not available |
| Size | 1500-2000 sq. ft. |
| Property Tax | $2,015 |
| Lot Size | 34 ft x 120 ft |
| mls© Number | X13697948 |
| Listed By | LPT 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%
- $1,996
- Property tax
- $168
- Heat allowance
- $150
- Housing costs
- $2,314 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$71,000
gross annual household income
- Payment at 4%
- $1,641 / mo
- Cash down
- $77,980
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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