122 Centre Street, St. Thomas, ON
Property no longer active
This property was sold on June 2, 2025. This listing is for reference purposes only. to view the sold price.
Property Highlights
Welcome to this remarkable 2-Storey duplex located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $399,900 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.
- 4 Bedrooms and 2 Bathrooms with 2 functional kitchens
- Generous living space spanning 1100-1500 sqft on a premium 35.19 x 202.86 ft lot
- Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
- 4.0 total parking spaces available
- Notable attributes: Separate Hydro Meter, Water Heater Owned
- equipped with window unit(s) central cooling and highly efficient forced air heating via gas
Description
Seize the opportunity to own this vacant, charming legal duplex in St. Thomas. Explore the additional commercial possibilities offered by this high-exposure, prime location sitting on a 200FT deep lot. Offering two move-in-ready units with oversized windows and stylish, clean interiors. The main unit features a back porch, sleek sage cabinetry, 8.5 FT ceilings, 3 bedrooms and 4 pc washroom. The upper unit features a front porch, foyer, oak staircase, 9FT ceilings, 1 bedroom and 3 pc washroom. This well-maintained duplex has undergone modern updates whilst preserving its historic character. Recent updates include: laminate flooring (2025), updated electrical + upgraded to 200amp service with ESA (2024), front roof (2024), new interior doors (2024), updated baths (2023, 2020), furnace + updated hvac (2022), back roof (2022), restored and stained hardwood floors (2020). This property includes 2 hydro meters, separate entrances, shared laundry and 4 rear parking spaces. Nestled in central St. Thomas by the Downtown district within walking distance to restaurants, boutiques, retailers and services. Discover what this amazing, turnkey property has to offer. Choose to step into homeownership using the CMHC owner occupied + legal rental program. Or choose a strong cashflowing investment property (low expenses and new market rents $2000/m + $1500/m).
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Property Summary
This duplex located at 122 Centre Street, St. Thomas is currently for sale and has been available on SousaSells for 415 days. This property is listed at $399,900 with an estimated mortgage of $1,331* per month. It has 4 beds, 2 bathrooms, and is 1100-1500 square feet. 122 Centre Street, St. Thomas is in the St. Thomas neighborhood.
* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.Key Features
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Separate Hydro Meter, Water Heater Owned
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This could be the first listing for this address.
Pricing & Value Insights
Data-driven valuation for 122 Centre Street, St. Thomas, ON N5R 2Z9
Based on 0 recent similar sales in the pocket.
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 $399,900 in St. Thomas, the legal minimum down payment is $19,995 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 $4,474 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 $4,474.
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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.