48 Elizabeth Street, St. Thomas, ON

$419,900
MLS#:X14092320
4 beds
1 baths
1500-2000 sqft
2.0 parking
Residential Freehold
Residential Freehold for sale - 4 Bed, 1 Bath Home at 48 Elizabeth Street St. Thomas ON listed at $419,900 (MLS# X14092320) - Main View
For Sale
Added:Oct 19, 2026(today)
Updated:Oct 19, 2026(today)
Last Checked:24 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium other construction, this residence presents an exceptional opportunity offered at $419,900 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.

  • 4 Bedrooms and 1 Bathroom
  • Generous living space spanning 1500-2000 sqft on a premium 26.17 x 123.35 ft lot
  • Features a unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 1.0 garage spaces (2.0 total parking spaces) with a convenient detached configuration
  • Notable attributes: Carpet Free
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Don't judge this one by its first impression - this deceptively spacious 4-bedroom home has so much more to offer than first meets the eye. Warm, inviting, and thoughtfully updated, it's the perfect place to put down roots and create lasting memories. Inside, you'll appreciate the functional layout that offers space for growing families, guests, or a home office. Gather with family and friends in the generous size living room and formal dining room, then step through to the kitchen which provides easy access to the private backyard designed for entertaining loved ones both young and old. Whether it's summer barbecues, children's playtime, or relaxing evenings under the stars, this outdoor space is sure to become a favourite. With the benefits of thoughtful updates, including select replacement windows and an updated bathroom there's added comfort, functionality, and move-in appeal. To complete the package, the durable metal roof and low-maintenance exterior provide peace of mind, while the garage, large storage shed and smaller garden shed offer plenty of room for vehicles, tools, and seasonal items. This home offers more space, more value, and more opportunities than you might expect, so why not come inside and see for yourself. Book your showing today!

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Property Summary

This detached home located at 48 Elizabeth Street, St. Thomas is currently for sale and has been available for 0 days. This property is listed at $419,900 with an estimated mortgage of $1,398* per month. It has 4 beds, 1 bathroom, and is 1500-2000 square feet. 48 Elizabeth 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 4 bedrooms and 1 bathroom, 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
  • •4 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •1500-2000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Growing families needing multi-bedroom flexibility and space in St. Thomas, St. Thomas.

Target Buyer Match

Key Features

Bedrooms
4
Bathrooms
1
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$419,900
AddedOct 19, 2026 (today)
UpdatedOct 19, 2026 (today)
Last Checked24 minutes ago
Transaction TypeFor Sale
List Office NameELGIN REALTY LIMITED

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionOther
BasementUnfinished
Lot Size26.17 × 123.35 Feet
CountyElgin
Annual Tax$2,461.45
Rental ItemsHot Water Heater
Legal DescriptionPT LT 5 BLK G PL 3 ST. THOMAS AS IN E305332 T/W & S/T E305332; ST. THOMAS

Parking & Garage

Parking Total2.0
Parking Space1
Garage Parking1.0
Garage TypeDetached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

None listed

Interior Features

  • Carpet Free

Security Features

None listed

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 4-bedroom detached at 48 Elizabeth 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: $1,398*/month*. Estimated Ontario Land Transfer Tax: $4,873. 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 48 Elizabeth Street, St. Thomas, ON

Q.What is the asking price for 48 Elizabeth Street, St. Thomas, ON ?

The current listing price for 48 Elizabeth Street, St. Thomas, ON in St. Thomas, St. Thomas is $419,900.

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

This property features 4 bedrooms and 1 bathroom across approximately 1500-2000 sqft.

Q.What property type and architectural style is 48 Elizabeth Street, St. Thomas, ON ?

48 Elizabeth Street, St. Thomas, ON is a Detached (2-Storey) featuring a Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (Detached).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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48 Elizabeth 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 48 Elizabeth Street, St. Thomas, ON N5R 2X1

Estimated Sales Range
$399,000 - $412,000

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$125,970 (30.0%)
* Minimum Canadian down payment required for this price is $20,995.
Amortization Period30 Years
Estimated Monthly Payment$1,398Based on a loan of $293,930 over 30 years.
Purchase Price$419,900
Loan Amount$293,930
Provincial Land Transfer Tax:$4,873
Total Estimated Closing Taxes:$4,873

About Purchasing a Home in St. Thomas, ON

For a property listed at $419,900 in St. Thomas, the legal minimum down payment is $20,995 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 $4,873 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 $4,873.

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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?

Generate a full market evaluation or explore city guides using the sidebar links.

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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