20 Alma Street, St. Thomas, ON

$424,900
MLS#:X13867880
3 beds
2 baths
1500-2000 sqft
6.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 2 Bath Home at 20 Alma Street St. Thomas ON listed at $424,900 (MLS# X13867880) - Main View
For Sale
Added:Oct 6, 2026(1 day ago)
Updated:Oct 6, 2026(1 day ago)
Last Checked:23 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey 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 $424,900 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 1500-2000 sqft on a premium 65.78 x 179.22 ft lot
  • Features a walk-up basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (6.0 total parking spaces)
  • Notable attributes: Storage
  • Efficient radiant heating via gas

Description

Welcome to 20 Alma Street, a charming and character-filled home in St. Thomas that is move-in ready and offers plenty of space both inside and out. Enjoy your morning coffee or unwind on the brand-new front porch, offering ample room for comfortable seating and enjoying the neighbourhood. Step inside to a welcoming foyer with plenty of space for coats, bags and everyday essentials. The main floor features a nicely sized bedroom or versatile den, a combined living and dining area complete with a cozy electric fireplace, and a spacious kitchen with a convenient pantry and access to the back deck. A 4-piece bathroom with laundry completes the main level. A unique spiral staircase leads to the upper level, where you'll find three additional bedrooms, including the primary, along with a 3-piece bathroom featuring a charming clawfoot tub. Outside, the large fully fenced backyard offers plenty of room to create the outdoor space you've been dreaming of, with a back deck providing the perfect spot for outdoor dining, entertaining or relaxing. The private driveway provides parking for up to six vehicles, while the shed with hydro offers excellent additional storage or workspace. The basement features a convenient walk-up entrance, adding versatility and easy access. Recent updates include a new front porch, newer windows, paint, flooring, fixtures, kitchen cabinets and blown-in attic insulation. Full of character, functional space and thoughtful updates, this inviting home is ready for its next chapter!

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Property Summary

This detached home located at 20 Alma Street, St. Thomas is currently for sale and has been available for 1 day. This property is listed at $424,900 with an estimated mortgage of $1,414* per month. It has 3 beds, 2 bathrooms, and is 1500-2000 square feet. 20 Alma 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.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 2 bathrooms, this home offers ample space and comfort for growing families in St. Thomas, St. Thomas.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in St. Thomas.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$424,900
AddedOct 6, 2026 (1 day ago)
UpdatedOct 6, 2026 (1 day ago)
Last Checked23 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX CENTRE CITY REALTY INC

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementWalk-Up
Lot Size65.78 × 179.22 Feet
CountyElgin
Annual Tax$2,824
Rental ItemsHWT
Legal DescriptionPART OF LOTS 5 & 6 W/S ALMA ST PLAN 43 AS IN E363092 CITY OF ST. THOMAS

Parking & Garage

Parking Total6.0
Parking Space6
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingNone

Features

Property Features

  • Fenced Yard
  • Golf
  • Hospital
  • Library
  • Public Transit
  • School

Interior Features

  • Storage

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

St. Thomas Home Buyer Advisory & Market HubActive MLS® Listing in St. Thomas, Ontario

Looking to Buy a Home in St. Thomas?

If you are looking for a house in St. Thomas or researching St. Thomas real estate for sale, this 3-bedroom detached at 20 Alma Street, St. Thomas, ON offers an exceptional opportunity to buy a home in St. Thomas, Ontario. Whether you are a first-time St. Thomas home buyer or comparing active St. Thomas MLS® homes for sale, working with a dedicated St. Thomas buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

St. Thomas Homes for Sale & MLS® Listings

Browse all verified St. Thomas real estate listings, compare active St. Thomas houses for sale, and view brand new MLS® inventory before it hits the open market.

Dedicated St. Thomas Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced St. Thomas realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

St. Thomas Buyer Budget & Costs

Estimated mortgage: $1,414*/month*. Estimated Ontario Land Transfer Tax: $4,973. First-time St. Thomas home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in St. Thomas

Frequently Asked Questions about 20 Alma Street, St. Thomas, ON

Q.What is the asking price for 20 Alma Street, St. Thomas, ON ?

The current listing price for 20 Alma Street, St. Thomas, ON in St. Thomas, St. Thomas is $424,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 20 Alma Street, St. Thomas, ON ?

20 Alma Street, St. Thomas, ON is a Detached (2-Storey) featuring a Walk-Up basement.

Q.What key property features does 20 Alma Street, St. Thomas, ON offer?

Key property features include: Fenced Yard, Golf, Hospital, Library, Public Transit, School.

Q.What interior features are included in this home?

Interior highlights include: Storage.

Q.What security features are installed at 20 Alma Street, St. Thomas, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 6.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via None.

Location

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20 Alma Street, St. Thomas, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

St. Thomas, St. Thomas

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–¼ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) × 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 20 Alma Street, St. Thomas, ON N5P 3A8

Estimated Sales Range
$404,000 - $416,000

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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$127,470 (30.0%)
* Minimum Canadian down payment required for this price is $21,245.
Amortization Period30 Years
Estimated Monthly Payment$1,414Based on a loan of $297,430 over 30 years.
Purchase Price$424,900
Loan Amount$297,430
Provincial Land Transfer Tax:$4,973
Total Estimated Closing Taxes:$4,973

About Purchasing a Home in St. Thomas, ON

For a property listed at $424,900 in St. Thomas, the legal minimum down payment is $21,245 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 $4,973 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 $4,973.

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St. Thomas, St. Thomas 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$744,569

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%

Best Schools in St. Thomas, St. Thomas

Elementary Schools

Forest Park
Public295 Forest Avenue, St. Thomas, Ontario, N5R 2K5
2.6
St. Anne's
Catholic84 Park Avenue, St. Thomas, Ontario, N5R 4W1
5.5
Elgin Court
Public254 First Avenue, St. Thomas, Ontario, N5R 4P5
4.3
Edward Street
PublicEdward Street, St. Thomas, Ontario, N5P 1Z5
3.7
John Wise
Public100 Parkside Drive, St. Thomas, Ontario, N5R 3T9
4.4

Secondary Schools

No secondary schools data loaded.

St. Thomas, St. Thomas Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

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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.

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