21 Oak Street, St. Thomas, ON
Property Highlights
Welcome to this remarkable Bungalow 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 $405,000 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.
- 3 Bedrooms and 2 Bathrooms
- Generous living space spanning 700-1100 sqft on a premium 33 x 132 ft lot
- Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
- 5.0 total parking spaces available with a convenient detached configuration
- Notable attributes: Auto Garage Door Remote, Primary Bedroom - Main Floor
- Efficient forced air heating via gas
Description
Welcome to 21 Oak Street, a charming 3-bedroom bungalow perfectly positioned on a quiet dead-end street in one of St. Thomas's most sought-after neighborhoods. This home is located just a short stroll from the beautiful Pinafore Park, elementary schools, high schools, St. Thomas Elgin General Hospital and shopping. This home offers a rare combination of nature and urban convenience. Main Floor Features The classic brick and vinyl exterior opens into a bright, inviting interior that has been freshly painted throughout (2026). The main level offers a functional layout with three bedrooms and a full 4-piece bathroom, making it an ideal setup for families, first-time buyers, or those looking to downsize. The kitchen features wood cabinets made by the owner. The basement significantly expands your living space, featuring a cozy family room with brand-new carpeting (2026) and a natural gas fireplace-the perfect spot for winter evenings. You will also find a dedicated home office for those who work from home, a convenient half-bath, and plenty of storage. This home has many updates including: 100-amp breaker panel (2026), furnace service (2026) and fireplace service (2026). The single detached garage provides extra storage or sheltered parking. Enjoy the privacy of no through-traffic and the scenic backdrop of the ravine. This move-in-ready home combines the peace of a cottage-like setting with the reliability of modern updates. Experience the best of St. Thomas living in a home that has been cared for from top to bottom.
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Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
Property Features
Hospital, Cul de Sac/Dead End, Park, Public Transit, Ravine, School
Interior Features
Auto Garage Door Remote, Primary Bedroom - Main Floor
Security Features
Community Features
Location
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 21 Oak Street, St. Thomas, ON N5R 1R5
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Properties in this area are selling at a steady pace.
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About Purchasing a Home in St. Thomas, ON
For a property listed at $405,000 in St. Thomas, the legal minimum down payment is $20,250 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.
Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $4,575 for this transaction. As this listing is in St. Thomas (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $4,575.
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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.