186 Centre Street, St. Thomas, ON

$429,900
MLS#:X13088794
5 beds
2 baths
1100-1500 sqft
2.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["Backsplit 4"] detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick and vinyl siding construction, this residence presents an exceptional opportunity offered at $429,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 5 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 30.75 x 131.05 ft lot
  • Features a ["full"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Storage
  • equipped with ["central air"] central cooling and highly efficient forced air heating via gas

Welcome to 186 Centre Street, a centrally located 3+2 bedroom, two bath, four-level back split offering exceptional convenience just minutes from downtown St. Thomas, shops, parks, schools, and everyday amenities. This inviting home features a charming front porch, a private two-car driveway, and plenty of additional street parking. Step inside to a welcoming entryway that opens into a bright living room, highlighted by a large front window that fills the space with natural light. Just beyond, you'll find a cozy eat-in kitchen that makes excellent use of its footprint, offering sufficient counter space and a functional island for added prep and workspace. Off the kitchen, access the side porch leading to the backyard, where you'll enjoy a spacious deck, hot tub, and storage sheds - perfect for relaxing or entertaining outdoors. Upstairs, the home offers three comfortable bedrooms and a 4-piece bathroom. The lower level adds even more versatility, featuring a 3-piece bathroom with recently updated tile flooring, a charming den ideal for a reading nook, play area, or home gym, and two additional bedrooms. A few steps down, the basement level provides generous storage space, a dedicated laundry area, and a workbench well-suited for crafting, hobbies, or projects. Well laid out and located in the heart of the city, this home offers flexible living space and great value for families, first-time buyers, or investors alike.

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Key Features

Bedrooms
5
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMay 28, 2026
Sold price information is available to members only
Listed Date5/6/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
ConstructionBrick, Vinyl Siding
Lot Size30.75 × 131.05 Feet
CountyElgin
Annual Tax$2,721
Legal DescriptionPART LOTS 1 & 2 BLOCK F PLAN 3 AS IN E418705; ST. THOMAS

Parking & Garage

Parking Spaces2.0
Garage Spaces2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
Cooling["Central Air"]

Features

Property Features

Fenced Yard, Hospital, Library, Park, Public Transit, School

Community Features

Location

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186 Centre Street, St. Thomas, ON
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Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 186 Centre Street, St. Thomas, ON N5R 3A4

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

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Financial Audit

Estimated Costs

Loan Amount$343,920
Monthly Mortgage$1,998
Property Tax (Est.)$227
Utilities & Maint.$350
Total Monthly Cost$2,575

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in St. Thomas.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.