77 Pearl Street, St. Thomas, ON

$398,500
MLS#:X13511154
3 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium vinyl siding and aluminum siding construction, this residence presents an exceptional opportunity offered at $398,500 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 1100-1500 sqft on a premium 50 x 80 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Water Heater Owned, Sump Pump
  • Efficient forced air heating via gas

Description

Welcome to this stunning, professionally renovated 3-bedroom, 2-bathroom home, perfectly situated on a picturesque ravine lot overlooking Athletic Park. This home is powered by Talk to the Home. Get answers 24 hours a day 7 days a week in multiple languages. See multi media link on the listing. Completely updated from top to bottom, this move-in-ready property offers modern finishes, thoughtful design, and exceptional views.The main floor showcases a spectacular kitchen featuring quartz countertops, a large centre island, abundant workspace, and a dedicated pantry and coffee bar area. The bright and inviting layout also includes a spacious living room with an electric fireplace, a dining area, a versatile office space, and a beautifully finished 4-piece bathroom. Upstairs, you'll find three comfortable bedrooms and a second stylish 4-piece bathroom, providing plenty of space for family or guests. Extensive 2023 renovations include shingles, new flooring throughout, a completely redesigned kitchen, two updated bathrooms, modern lighting, shingles, kitchen appliances, fresh paint, a new deck overlooking the ravine, the fridge, washer and dryer new in 2025, and a retaining wall. The full basement offers a laundry area, sump pump, and additional storage potential. Simply unpack, arrange your furniture, and start enjoying your new home. Properties with this level of renovation and such a beautiful setting don't come along often-schedule your private viewing today!

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date7/2/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding, Aluminum Siding
BasementFull, Unfinished
Lot Size50 × 80 Feet
CountyElgin
Annual Tax$2,290
Legal DescriptionPT LT 2 CON 9 YARMOUTH AS IN E365805 CITY OF ST. THOMAS

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingNone

Features

Property Features

Cul de Sac/Dead End, School Bus Route, Ravine

Interior Features

Water Heater Owned, Sump Pump

Security Features

Community Features

Location

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77 Pearl 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 77 Pearl Street E, St. Thomas, ON N5P 2P6

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.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Thomas.

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Interest Rate5.25%
Down Payment$19,925 (5.0%)
* Minimum Canadian down payment required for this price is $19,925.
Amortization Period25 Years
Estimated Monthly Payment$2,256Based on a loan of $378,575 over 25 years.
Purchase Price$398,500
Loan Amount$378,575
Provincial Land Transfer Tax:$4,453
Total Estimated Closing Taxes:$4,453

About Purchasing a Home in St. Thomas, ON

For a property listed at $398,500 in St. Thomas, the legal minimum down payment is $19,925 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 $4,453 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 $4,453.

Nearby Listings

Distance:

No current listings found in St. Thomas.

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City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Thomas, St. Thomas.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$624,008

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

St. Anne's
Catholic84 Park Avenue, St. Thomas, Ontario, N5R 4W1
5.5
Forest Park
Public295 Forest Avenue, St. Thomas, Ontario, N5R 2K5
2.6
Elgin Court
Public254 First Avenue, St. Thomas, Ontario, N5R 4P5
4.3
Mitchell Hepburn
Public95 Raven Avenue, St. Thomas, Ontario, N5R 0C2
5.7
John Wise
Public100 Parkside Drive, St. Thomas, Ontario, N5R 3T9
4.4

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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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.

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.