631 Elm Street, St. Thomas, ON

$639,900
MLS#:X12822400
5 beds
2 baths
1100-1500 sqft
4.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable Bungalow-Raised detached located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $639,900 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 64 x 119 ft lot
  • Features a full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Built-In Oven, Storage, Water Heater
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Welcome to 631 Elm Street, located on the desirable south side of St. Thomas. This spacious ranch-style home offers 5 bedrooms (3 on the main level and 2 on the lower level) and 2 full bathrooms, delivering versatile living space ideal for families or multi-generational living. The bright open-concept main floor features a welcoming living room that flows seamlessly into the spacious kitchen, complete with an eat-at island, two built-in ovens, electric cooktop, dishwasher, double sink, updated backsplash, and abundant counter and cabinet space. A patio door off the kitchen provides direct access to the fully fenced backyard, creating easy indoor-outdoor living for everyday enjoyment and entertaining. An updated 5-piece bathroom serves the main level. Just a few steps down from the living area is a generous flex space currently arranged as a front foyer and spacious dining room, offering double door access to the driveway as well as direct access to the backyard - a functional layout that suits family gatherings and busy households alike. The fully finished lower level expands the living space with two additional spacious bedrooms, including one with an updated 4-piece ensuite, a large family room with room for a media area, playroom, or home gym, plus a laundry/storage room and cold cellar. The backyard is designed for relaxation and entertaining, featuring a deck with a pergola, space for outdoor dining and bbq areas, a hot tub (negotiable) a fire pit, garden shed, green space, and an in-ground pool! Notable updates include furnace (2023), attic insulation (2024), and roof shingles (2015). Conveniently located close to everyday amenities and schools, including Mitchell Hepburn Public School, this spacious property offers a fantastic opportunity to settle into a well-established neighbourhood and make it your next home.

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Key Features

Bedrooms
5
Bathrooms
2
Kitchens
1
Living Area
1100-1500 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 25, 2026
Sold price information is available to members only
Listed Date2/26/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural StyleBungalow-Raised
ConstructionBrick
BasementFull
Lot Size64 × 119 Feet
CountyElgin
Annual Tax$3,668
Legal DescriptionPT LT 9 CON 7 YARMOUTH AS IN E404323; ST. THOMAS

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Place Of Worship, School, Fenced Yard, Park

Interior Features

Built-In Oven, Storage, Water Heater

Security Features

Smoke Detector, Carbon Monoxide Detectors

Community Features

Location

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631 Elm 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 631 Elm Street, St. Thomas, ON N5R 1K9

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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$38,990 (6.1%)
* Minimum Canadian down payment required for this price is $38,990.
Amortization Period25 Years
Estimated Monthly Payment$3,581Based on a loan of $600,910 over 25 years.
Purchase Price$639,900
Loan Amount$600,910
Provincial Land Transfer Tax:$9,273
Total Estimated Closing Taxes:$9,273

About Purchasing a Home in St. Thomas, ON

For a property listed at $639,900 in St. Thomas, the legal minimum down payment is $38,990 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 $9,273 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 $9,273.

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$623,728

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

St. Anne's
Catholic84 Park Avenue, St. Thomas, Ontario, N5R 4W1
5.5
Forest Park
Public295 Forest Avenue, St. Thomas, Ontario, N5R 2K5
2.6
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.