20 VICTORIA Street, St. Thomas, ON
Property Highlights
Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium wood and brick construction, this residence presents an exceptional opportunity offered at $539,000 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.
- 4 Bedrooms and 2 Bathrooms
- Generous living space spanning 1100-1500 sqft on a premium 29 x 66 ft lot
- Features a full, finished basement, adding superb versatility for recreation, a home gym, or extra storage
- 0.0 total parking spaces available
- Notable attributes: Separate Heating Controls, Water Meter, Upgraded Insulation
- Efficient radiant heating via ground source
Description
Come home to 20 Victoria St in St. Thomas, a beautifully updated two-storey yellow brick home nestled in the sought-after Courthouse neighbourhood. The second floor offers four spacious bedrooms, a full 4-piece bathroom, and access to a versatile loft space-perfect for a playroom, home office, or potential additional bedroom (just needs stairs).The main level features a welcoming foyer, bright and spacious principal rooms, an updated kitchen, dining area, and a walk-in pantry that could also be converted into a convenient laundry space, with direct access to a private back deck.The finished lower level includes a recreation room, laundry closet, 3-piece bathroom, and additional storage. The home is equipped with in-floor heating throughout and a ductless system on the second floor for both heating and cooling. Added sound insulation between levels enhances comfort and privacy.Offering generous space for families or couples alike, this home also includes street parking with two neighbourhood passes (winter permits available separately), meaning no driveway maintenance.The Courthouse neighbourhood is one of St. Thomas' most charming and sought-after pockets, known for its mature tree-lined streets, historic homes, and strong sense of community. Centered around the iconic Elgin County Courthouse, the area offers a unique blend of character, walkability, and everyday convenience. With close proximity to parks, schools, and local amenities, it's a neighbourhood that combines timeless appeal with a truly livable lifestyle.
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Property Summary
This detached home located at 20 VICTORIA Street, St. Thomas is currently for sale and has been available on SousaSells for 92 days. This property is listed at $539,000 with an estimated mortgage of $1,794* per month. It has 4 beds, 2 bathrooms, and is 1100-1500 square feet. 20 VICTORIA 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
Additional Details
Property Details
Parking & Garage
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Features
Property Features
Interior Features
Separate Heating Controls, Water Meter, Upgraded Insulation, Water Heater, Sump Pump
Security Features
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 20 VICTORIA Street, St. Thomas, ON N5R 2E5
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 $539,000 in St. Thomas, the legal minimum down payment is $28,900 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 $7,255 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 $7,255.
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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.