20 VICTORIA Street, St. Thomas, ON

$539,000
MLS#:X13003542
4 beds
2 baths
1100-1500 sqft
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium wood and brick construction, this residence presents an exceptional opportunity offered at $539,000 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.

  • 4 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1100-1500 sqft on a premium 29 x 66 ft lot
  • Features a ["full", "finished"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 0.0 total parking spaces available
  • Notable attributes: Separate Heating Controls, Water Meter, Upgraded Insulation
  • equipped with ["none"] central cooling and highly efficient radiant heating via ground source

Come home to 20 Victoria St in St. Thomas, a beautifully updated two-storey yellow brick home nestled in the sought-after Courthouse neighbourhood. The second floor offers four spacious bedrooms, a full 4-piece bathroom, and access to a versatile loft space-perfect for a playroom, home office, or potential additional bedroom (just needs stairs).The main level features a welcoming foyer, bright and spacious principal rooms, an updated kitchen, dining area, and a walk-in pantry that could also be converted into a convenient laundry space, with direct access to a private back deck.The finished lower level includes a recreation room, laundry closet, 3-piece bathroom, and additional storage. The home is equipped with in-floor heating throughout and a ductless system on the second floor for both heating and cooling. Added sound insulation between levels enhances comfort and privacy.Offering generous space for families or couples alike, this home also includes street parking with two neighbourhood passes (winter permits available separately), meaning no driveway maintenance.The Courthouse neighbourhood is one of St. Thomas' most charming and sought-after pockets, known for its mature tree-lined streets, historic homes, and strong sense of community. Centered around the iconic Elgin County Courthouse, the area offers a unique blend of character, walkability, and everyday convenience. With close proximity to parks, schools, and local amenities, it's a neighbourhood that combines timeless appeal with a truly livable lifestyle.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date4/15/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
ConstructionWood , Brick
Lot Size29 × 66 Feet
CountyElgin
Annual Tax$2,856
Legal DescriptionPART OF LOT 14 W/S METCALFE ST BTN VICTORIA ST AND PRINCE ALBERT ST PLAN 23 AS IN E420991; S/T & T/W E420991; ST. THOMAS

Parking & Garage

Parking Spaces0.0
Garage TypeNone

Heating & Cooling

Heat SourceGround Source
Heat TypeRadiant
Cooling["None"]

Features

Property Features

Community Features

Location

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20 VICTORIA Street, St. Thomas, ON
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Property History

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This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 20 VICTORIA Street, St. Thomas, ON N5R 2E5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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.
Financial Audit

Estimated Costs

Loan Amount$431,200
Monthly Mortgage$2,505
Property Tax (Est.)$238
Utilities & Maint.$350
Total Monthly Cost$3,093

Strategic Fiscal Clarity

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