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Listed 14 days ago

77 First Avenue

St. Thomas, St. Thomas

$439,900

Detached|1 1/2 Storey
3 | 1 | 3
About this home

Welcome to 77 First Avenue in St. Thomas! This charming 1-storey home is an excellent opportunity for first-time buyers, downsizers or anyone looking for a property with room to grow. The main floor features a bright, open-concept living and dining area, an updated kitchen with granite countertops and backsplash, an updated bathroom, and a versatile office or bedroom with patio doors leading to the deck. Upstairs, you'll find the primary bedroom and a second bedroom. The unfinished basement includes a roughed-in bathroom and offers plenty of potential for additional living space. Outside, the fully fenced backyard is made for summer enjoyment, complete with an inground saltwater pool and a fantastic patio for entertaining. Improvements over the years include the furnace and central air conditioning (approx. 2021), flooring throughout (approx. 2021), granite kitchen countertops and backsplash (approx. 2021), an updated electrical panel (approx. 2020), owned water heater (2026), fencing and deck (approx. 2020). The durable metal roof was installed by a previous owner and remains in great condition. Conveniently located close to shopping, schools, the hospital, restaurants, the Family YMCA and everyday amenities, this inviting home offers comfort, versatility and exceptional outdoor living. Plus did we mention there was a POOL!!

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Contact Sell with Strategy.

Milad Momtaz Azad
Milad Momtaz Azad
(647) 510-8858
Julian Kashani
Julian Kashani
(416) 837-7775
TypeDetached
Style1 1/2 Storey
Approx. AgeNot available
Size700-1100 sq. ft.
Property Tax$2,790
Lot Size40 ft x 115.5 ft
mls© NumberX13701110
Listed ByRE/MAX ADVANTAGE REALTY 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%
$2,252
Property tax
$233
Heat allowance
$150
Housing costs
$2,634 / mo

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

Down payment20% · $87,980
25-yr amortization

Income needed

$81,000

gross annual household income

Payment at 4%
$1,851 / mo
Cash down
$87,980

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

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

Values and trends

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