18 Stirling Crescent, St. Thomas, ON

$499,900
MLS#:X12838140
3 beds
2 baths
700-1100 sqft
3.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Backsplit 3 detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $499,900 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.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 700-1100 sqft on a premium 54 x 126.97 ft lot
  • Features a finished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 3.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Auto Garage Door Remote, Sump Pump
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to this move-in-ready 3-bedroom backsplit, perfectly situated on a quiet crescent in the desirable northeast end of St. Thomas. Just minutes from shopping, highly ranked schools, Hwy 3, Hwy 401, and only approximately 15 minutes south of London, this home offers the ideal balance of convenience and community-perfect for first-time buyers and young families. Step inside to a bright and welcoming main floor featuring a spacious family room with mint-condition hardwood floors and a large front window that fills the space with natural light. The informal dining area flows seamlessly into the updated L-shaped kitchen, complete with quartz countertops, renovated cabinetry and hardware, and a functional peninsula with seating-ideal for casual meals and entertaining. A convenient side-door entrance leads directly to the patio area, making summer BBQs and outdoor gatherings effortless. Upstairs, you'll find three generous bedrooms, all with hard surface flooring, along with a well-appointed 4-piece bathroom-providing comfortable space for the whole family. The lower level expands your living space with a finished rec room featuring durable luxury vinyl plank flooring, a 3-piece bathroom with laundry, and an excellent storage area to meet all your family's needs. For added peace of mind, the seller has upgraded the home's electrical system, replacing the old fuse panel with a new breaker panel and copper wiring. Outside, enjoy a fully fenced backyard that offers exceptional privacy in the summer months thanks to mature trees. The outdoor space is designed for relaxation and entertaining, featuring an oversized wood deck, a large gazebo with a custom sitting area, and ample green space for kids and pets to play. This well-maintained, turn-key home truly checks all the boxes-comfort, updates, location, and value. Don't miss your opportunity to make it yours!

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 6, 2026
Sold price information is available to members only
Listed Date3/3/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBacksplit 3
ConstructionBrick
BasementFinished, Full
Lot Size54 × 126.97 Feet
CountyElgin
Annual Tax$2,927
Legal DescriptionLT 116 PL 298 ST. THOMAS; S/T E120797 CITY OF ST. THOMAS

Parking & Garage

Parking Spaces3.0
Garage Spaces2
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Park, Place Of Worship, Rec./Commun.Centre, School

Interior Features

Auto Garage Door Remote, Sump Pump

Security Features

Community Features

Location

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18 Stirling Crescent, 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 18 Stirling Crescent, St. Thomas, ON N5P 3R3

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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$24,995 (5.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period25 Years
Estimated Monthly Payment$2,830Based on a loan of $474,905 over 25 years.
Purchase Price$499,900
Loan Amount$474,905
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in St. Thomas, ON

For a property listed at $499,900 in St. Thomas, the legal minimum down payment is $24,995 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 $6,473 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 $6,473.

Nearby Listings

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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$623,728

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.