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174 Elm Street

St. Thomas, N5R 1J3·MLS® X13589476·

Listing courtesy of Elgin Realty Limited·Updated 2 days ago

For sale
1 / 29
3Beds
1Baths
700-1,100Sqft
51-99Year Built

Listing price

$565,000

Est. $2,691/mo

Days on market

4

Listed Jul 21, 2026

Description

Welcome to this beautifully updated 3+1 bedroom home in a convenient St. Thomas location, just steps from St. Thomas Elgin General Hospital. Situated on a bus route and close to shopping, restaurants, schools, Pinafore Park, and other everyday amenities, this home offers both comfort and convenience. Inside, you'll find a bright, move-in-ready interior featuring a fully renovated kitchen with modern cabinetry, new countertops, sink, and faucet, as well as a beautifully remodeled bathroom. The main floor has been refreshed with new flooring, baseboards, updated light fixtures, and fresh paint throughout, creating a clean and modern feel. The partially finished basement provides additional living space with a fourth bedroom and den, making it ideal for a growing family, guests, a home office, or hobby room. Outside, enjoy a generous backyard complete with a new storage shed, while the private driveway and attached single-car garage provide ample parking and convenience. Extensive updates offer peace of mind and include new windows, upgraded attic and wall insulation, a new sump pump, along with the many cosmetic improvements throughout the home. A turnkey property in a sought-after neighbourhood-simply move in and enjoy!

Property details

Garage

1 car Attached

Basement

Partially Finished

Parking

3 spaces

Type

Detached — Bungalow

Heating

Forced Air

AI property estimate

$386,527Below Market
$297,626$485,000

70% confidence · 35 sold homes within 2 km, by price per sq ft

Location & neighbourhood

St. Thomas

St. Thomas, ON

Monthly payment estimate

Mortgage (5.24%, 25yr)$2,691
Property tax$612
Insurance (est.)$118
Utilities (est.)$250
Total monthly$3,671

Land transfer tax

Ontario LTT

$7,775

First-time rebate

$4,000

First-time buyer rebate of up to $4,000 may apply. Consult a lawyer for eligibility.

Price & listing history

Jul 21, 2026Listed
$565,000

Sold comparables nearby

1 Idsardi Avenue, St. ThomasSold

$602,500

1 Idsardi Avenue, St. Thomas

3 bd·2 ba·1,100-1,500 sqft
30 Erinlea Drive, St. ThomasSold

$525,000

30 Erinlea Drive, St. Thomas

3 bd·3 ba·1,100-1,500 sqft

See all 10 comparables

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Market conditions · St. Thomas

Buyer's marketBalancedSeller's market

Avg. sold price

$550,000

Sale-to-list ratio

96.7%

Based on 6 recent comparable sales near this home.

Investment analysis

Est. monthly rent

$2,260

Rental yield

4.8%

Est. cash flow

-$1,411

Cap rate

3.2%

Best time to sell

Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Peak
Good
Average

Affordability

Minimum household income required

$137,664

Based on 20% down, 5.24% stress test rate, 25yr amortization, 32% GDS ratio.

Not sure about financing? Ask Colin

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AI estimate

$386,527

Below Market
CA

Your advisor

Oak and Key Real Estate Brokerage Inc.

Colin Abbott

Real Estate Agent

519-859-4579 · colinabbot@gmail.com

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