186 Centre Street, St. Thomas, ON
Property Highlights
Welcome to this remarkable Backsplit 4 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 $429,900 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.
- 5 Bedrooms and 2 Bathrooms
- Generous living space spanning 1100-1500 sqft on a premium 30.75 x 131.05 ft lot
- Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
- 2.0 total parking spaces available
- Notable attributes: Storage
- equipped with central air central cooling and highly efficient forced air heating via gas
Description
Welcome to 186 Centre Street, a centrally located 3+2 bedroom, two bath, four-level back split offering exceptional convenience just minutes from downtown St. Thomas, shops, parks, schools, and everyday amenities. This inviting home features a charming front porch, a private two-car driveway, and plenty of additional street parking. Step inside to a welcoming entryway that opens into a bright living room, highlighted by a large front window that fills the space with natural light. Just beyond, you'll find a cozy eat-in kitchen that makes excellent use of its footprint, offering sufficient counter space and a functional island for added prep and workspace. Off the kitchen, access the side porch leading to the backyard, where you'll enjoy a spacious deck, hot tub, and storage sheds - perfect for relaxing or entertaining outdoors. Upstairs, the home offers three comfortable bedrooms and a 4-piece bathroom. The lower level adds even more versatility, featuring a 3-piece bathroom with recently updated tile flooring, a charming den ideal for a reading nook, play area, or home gym, and two additional bedrooms. A few steps down, the basement level provides generous storage space, a dedicated laundry area, and a workbench well-suited for crafting, hobbies, or projects. Well laid out and located in the heart of the city, this home offers flexible living space and great value for families, first-time buyers, or investors alike.
Schedule a Tour
Contact us to schedule a private viewing of this property.
Contact Agent
Key Features
Additional Details
Property Details
Parking & Garage
Heating & Cooling
Features
Property Features
Fenced Yard, Hospital, Library, Park, Public Transit, School
Interior Features
Storage
Security Features
Carbon Monoxide Detectors, Smoke Detector
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 186 Centre Street, St. Thomas, ON N5R 3A4
Based on 0 recent similar sales in the pocket.
Properties in this area are selling at a steady pace.
Mortgage & Affordability Audit
Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Thomas.
Configure Loan Settings
About Purchasing a Home in St. Thomas, ON
For a property listed at $429,900 in St. Thomas, the legal minimum down payment is $21,495 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 $5,073 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 $5,073.
Nearby Listings
No current listings found in St. Thomas.
Similar Listings Nearby
City & Neighborhood Guide
Comprehensive city-wide demographics, local real estate stats, and school rankings for St. Thomas, St. Thomas.
People & Families
Age Distribution
Household Composition
Top Ethnic Origins
Local Schools Guide
Elementary Schools
Secondary Schools
Homes & Housing
Structural Home Types
Tenure (Ownership vs Rental)
Need more details or a custom CMA?
Generate a full market evaluation or explore city guides using the sidebar links.
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.