97 Elgin Street, St. Thomas, ON
Property Highlights
Welcome to this remarkable 2 1/2 Storey detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $525,000 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.
- 2 Bedrooms and 3 Bathrooms with 2 functional kitchens
- Generous living space spanning 2000-2500 sqft on a premium 45 x 100 ft lot
- Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
- 3.0 total parking spaces available
- Notable attributes: Primary Bedroom - Main Floor
- equipped with central air central cooling and highly efficient forced air heating via gas
Description
97 Elgin Street in St. Thomas is a versatile home in the sought after Court House district. It offers 2 bedrooms and 3 bathrooms over two distinct living areas. The First has hardwood flooring, high ceilings and a spacious layout with plenty of large windows. It also has a full master suite, renovated ensuite bath (2020) and lower level laundry. The Second is an upper accommodation with in-suite laundry, renovated kitchen, and a second floor deck you are going to love to spend time entertaining on. The 3rd floor offers a huge space for all of your bedroom furniture. This unique property offers over 2400 square feet of generous living space, plenty of natural light and a flexible layout that can accommodate a variety of lifestyles. The two distinct living areas create an intriguing opportunity for extended family or multigenerational living, allowing everyone to enjoy their own space under one roof (shingle roof replaced in 2020). Buyers looking for additional possibilities may also wish to investigate the property's potential for legal two-unit configuration. This could mean a financially meaningful mortgage hack for the owner. The property also includes a powered and insulated shed, providing convenient additional storage or a man cave/ she shed to hang out in. The property is low maintenance and fully fenced. With 2 bedrooms, 3 bathrooms and flexible living spaces throughout, this home provides plenty of opportunity to make the layout your own. Walkable location for convenient access to shopping, schools, parks, restaurants and everyday amenities. 97 Elgin Street combines space, versatility and future potential. Whether you're searching for a unique family home, a multigenerational setup or a property that can adapt to your needs, this is one worth exploring.
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Property Summary
This detached home located at 97 Elgin Street, St. Thomas is currently for sale and has been available on SousaSells for 1 day. This property is listed at $525,000 with an estimated mortgage of $1,748* per month. It has 2 beds, 3 bathrooms, and is 2000-2500 square feet. 97 Elgin Street, St. Thomas is in the St. Thomas neighborhood.
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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.Yes! Featuring 2 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in St. Thomas, St. Thomas.
- •2 spacious bedroom layout offering versatile living space
- •3 well-appointed bathrooms
- •2000-2500 sqft of generous functional square footage
First-time home buyers, professionals, or investors seeking value.
Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
Property Features
None listed
Interior Features
- Primary Bedroom - Main Floor
Security Features
None listed
Community Features
None listed
Frequently Asked Questions about 97 Elgin Street, St. Thomas, ON
Q.What is the asking price for 97 Elgin Street, St. Thomas, ON ?
The current listing price for 97 Elgin Street, St. Thomas, ON in St. Thomas, St. Thomas is $525,000.
Q.How many bedrooms and bathrooms does this property have?
This property features 2 bedrooms and 3 bathrooms across approximately 2000-2500 sqft.
Q.What property type and architectural style is 97 Elgin Street, St. Thomas, ON ?
97 Elgin Street, St. Thomas, ON is a Detached (2 1/2 Storey) featuring a Unfinished basement.
Q.What interior features are included in this home?
Interior highlights include: Primary Bedroom - Main Floor.
Q.Is parking available at this property?
Yes, this property offers parking space for 3.0 vehicles (None).
Q.What heating and cooling systems are installed?
Heating is provided via Gas and cooling via Central Air.
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Pricing & Value Insights
Data-driven valuation for 97 Elgin Street, St. Thomas, ON N5R 3M5
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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 $525,000 in St. Thomas, the legal minimum down payment is $27,500 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 $6,975 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 $6,975.
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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.