Details
Listed by EXP REALTY.
St. Thomas, St. Thomas, ON N5R 2P5
From PropTx
$489,900
As listed by the seller and their brokerage. It is a request, not a valuation, and nothing tests it until an offer arrives.
From MyNest360
The tools we build on top of the listing, each figure sourced and none of it PropTx data: what the house really costs to hold, what it costs to borrow against, and the inspection to book before your conditions come off.
From PropTx
The price, facts, description and history exactly as the feed states them. Nothing in this section is our own estimate.
Counts and measurements as the listing states them, not verified by us. Source: PropTx
The listing does not say whether there is a second dwelling unit here. Other records in this set state it either way, so this is a silence rather than a no.
What comes from PropTx, and what is ours
The price, address, room and size figures, description and days on site are sourced from PropTx and can lag the live listing. The map placement and the cost, offer, insurance and rental tools below are our own work, not PropTx data. Anything we have modelled rather than sourced carries an Est. tag.
Last sold Oct 22, 2026 for $503,000. That is this house rather than a comparable, so none of the usual adjustments apply.
See the full price history2 events between Aug 25, 2026 and Oct 22, 2026.
Asking price moved from $489,900 on Aug 25, 2026 to $503,000 on Oct 22, 2026, a change of $13,100.
Located in the sought-after Courthouse District, this beautifully appointed 2-storey home blends period character with modern livability. Mature, tree-lined streets and a genuine sense of history surround you here, and this home lives up to the neighbourhood - full of charm, but thoughtfully updated so there's nothing left to do but move in. Step inside to a main floor that was fully remodelled in 2017, when interior walls were removed to open up the entire space and create the kind of easy, connected flow today's buyers are looking for. The newer kitchen (2017) anchors the home beautifully and is well suited to both everyday meals and entertaining, a half-bath was added on the main level (2017) for everyday convenience, and the original hardwood floors were refinished throughout, preserving the warmth and character that make this home stand out. Upstairs, you'll find three sizeable bedrooms, each with room to comfortably fit a full bedroom suite - a rare find in a home of this era, and a real advantage for families. Outside, the backyard delivers just the right amount of space - big enough to enjoy, small enough to maintain without eating up your weekends. A large deck and pergola, added in 2021, create a private, low-maintenance spot to relax or host friends, while the detached garage adds valuable extra storage for tools, toys, or a workshop. This home has also been well maintained where it counts most, with a long list of practical updates already taken care of. Recent improvements include all-new eaves, soffit, fascia, and window flashing to protect the home for years to come (2021), a custom stair runner on the main staircase (2025), a brand-new front door (2026), and a heat pump installed for efficient (2020), comfortable heating and cooling all year round. This is THE PERFECT starter home priced to sell! Don't miss out!
Written by the listing brokerage to sell the house. Nothing in it is verified, so take its claims about condition to an inspection, not from it.
The pills are copied from the listing and sorted for reading, with nothing added to them, and a group the listing did not fill in is absent rather than empty. Where a group is written as sentences instead, those are ours: what the listing named, and what it means.
On the record, and not one of the groups above.
1 years, from $3,245 in 2026 to $3,245 in 2026.
Neighbourhood market statistics is not shown here
Not shown: our current listing agreement does not licence this figure for display.
Medians, sale-to-list ratios and absorption are computed from sold prices, and they are licensed to registered users only. There is no approximate version of a median that would be honest to show in their place.
Every home of this type in St. Thomas that has sold in the last 3 years.
Contact details for the listing agent are not shown: our current listing agreement licences them to registered users only.
Sourced from: PropTx. Last updated Sep 3, 2026.
From MyNest360
None of this is PropTx data. Each figure is our own and carries its source: the true cost to own, the mortgage studio, the inspection plan, and the rest.
Two figures stand against this house for two different purposes, the asking price and the assessment, so they do not agree and were never meant to. The gap is worked out here rather than left for you to hold in your head.
Nothing of this kind on the record, and nothing here fills it in from an average of other houses.
The figure property tax is apportioned from, valued as of a date that is not today. It is not a market value and no lender treats it as one.
None of these is an appraisal. Your lender orders one of those once an offer is accepted, and it is the figure that decides how much they will actually lend.
At 20% down and 4.22% fixed, the all-in monthly cost works out to $2,537. Every line, the pool and the well included, plus the first-year total, is on the full breakdown.
At 20% or more there is no CMHC premium.
20% down · 4.22% indicative 5-yr fixed · The number of years the whole balance is paid off over. A longer amortization lowers the monthly payment and raises the total interest.. $3,245 for 2026, from the tax figure stated on the listing, divided by twelve. That is what the current owner pays, as the listing states it. That twelfth is the annual amount levelled across the year and not a payment you will make on any date. How a municipality actually collects it is set out in documents nobody here has read.; heat and utilities estimated. Figures illustrative.
Compare lenders and private optionsIt asks one question first: whether someone is already acting for you. That answer changes who books the visit and who is on your side inside the house.

Connect with Tara
Tara McCarthy
Broker, VP Ultra Luxury Division
Every question about this home reaches a licensed broker, not a form.

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Figures such as 4.79% sample rates and estimates are illustrative only. Verify all details with a licensed professional before making an offer.
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