440 Wellington Street, St. Thomas, ON

$425,000
MLS#:X12995358
3 beds
2 baths
1000-1199 sqft
1.0 parking
Residential Condo & Other
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Property Highlights

Welcome to this remarkable Apartment condo apartment 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 $425,000 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.

  • 3 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1000-1199 sqft
  • 1.0 total parking spaces available
  • Notable attributes: Carpet Free, Storage
  • equipped with wall unit(s) central cooling and highly efficient baseboard heating via electric

Description

Experience the perfect blend of convenience and tranquility in this beautifully updated, carpet-free end-unit condo. Situated on the main floor, this home offers a unique "bungalow-style" lifestyle with easy access through the end door off the parking lot - no need to navigate busy hallways or elevators as unit is at this end of the hall. Step inside to a bright, open living space where a cozy fireplace serves as the heart of the room, perfect for relaxing evenings. The interior has been thoughtfully refreshed over the last few years, boasting modern finishes and a seamless flow. The patio doors act as a picture window to the lush greenery outside, leading you to a serene patio area that backs onto the complex's gardens. It is the ideal spot for morning coffee or hosting friends in a peaceful, outdoor setting. The layout is designed for both comfort and functionality. Primary Retreat: Features a walk-in closet and a private 2-piece ensuite. Modern Main Bath: Updated with quartz counters and a contemporary walk-in shower with seat featuring a luxurious rain head for a spa-like experience. Flexible Space: Two additional well-sized bedrooms offer plenty of room for family, a home office, or a hobby room. Located in the charming community of St. Thomas, this condo offers a low-maintenance lifestyle without sacrificing the feeling of "home." Whether you're downsizing or looking for a stylish, accessible space, this end unit provides the privacy and garden views you've been searching for.

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Key Features

Bedrooms
3
Bathrooms
2
Kitchens
1
Living Area
1000-1199 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Listed Date4/14/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeCondo Apartment
Architectural StyleApartment
ConstructionBrick, Vinyl Siding
BasementNone
CountyElgin
Annual Tax$2,480

Parking & Garage

Parking Spaces1.0
Garage Spaces1
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeBaseboard
CoolingWall Unit(s)

Features

Property Features

Hospital

Interior Features

Carpet Free, Storage

Security Features

Community Features

Location

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440 Wellington Street, 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 440 Wellington Street 119, St. Thomas, ON N5R 5X5

Estimated Sales Range
$1.2M - $1.4M

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.

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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$21,250 (5.0%)
* Minimum Canadian down payment required for this price is $21,250.
Amortization Period25 Years
Estimated Monthly Payment$2,406Based on a loan of $403,750 over 25 years.
Purchase Price$425,000
Loan Amount$403,750
Provincial Land Transfer Tax:$4,975
Total Estimated Closing Taxes:$4,975

About Purchasing a Home in St. Thomas, ON

For a property listed at $425,000 in St. Thomas, the legal minimum down payment is $21,250 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 $4,975 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 $4,975.

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$624,058

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

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
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.