64 Lake Margaret Trail, St. Thomas, ON

$664,900
MLS#:X13173154
3 beds
4 baths
1500-2000 sqft
6.0 parking
Residential Freehold
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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 $664,900 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 4 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 45 x 124.24 ft lot
  • Features a finished, full basement, adding superb versatility for recreation, a home gym, or extra storage
  • 6.0 total parking spaces available with a convenient attached configuration
  • Notable attributes: Sump Pump, Auto Garage Door Remote, Storage
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Most neighbourhoods offer streets and sidewalks. Lake Margaret offers a lake. A real one, right in the middle of it, with winding bike and walking trails along the shoreline that connect you to surrounding neighbourhoods and the beloved Pinafore Park. People don't just buy a home here, they buy into something they've had their eye on for years. This well-kept two-storey home offers 3 bedrooms and 3.5 bathrooms, and the moment you step through the front door, you'll notice something that photos rarely capture: the care. From the appealing foyer, generous enough to actually stop and chat in, to the freshly painted walls, the workmanship here is consistent and the attention to detail is hard to ignore. The main floor flows effortlessly. The kitchen cabinets have a timeless quality, complemented by new flooring throughout the kitchen and living room (2022). Main floor laundry tucked off in the mudroom keeps the practical stuff completely out of the way. Upstairs, the spacious primary suite delivers with a generously sized walk-in closet and a private ensuite. Two additional well-proportioned bedrooms share a full bathroom on this level, a layout that works for families, guests, or a dedicated home office. The lower level was renovated in 2025 and the result is a rec room, den, and full bathroom that is fresh and cosy. Step outside and the thoughtfulness continues. A concrete patio stretches the full width of the home with a rear patio door that was replaced in 2024, an electric awning keeps things comfortable in the summer heat (2015), and the hot tub electrical hookup is already in place, you just need to bring the tub. The rear yard is beautifully landscaped, private, and built for enjoying. Whether you're taking a step up, buying your first home, or you've simply had Lake Margaret on your mind for years, this is the one you've been waiting for. Don't let it pass you by.

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Key Features

Bedrooms
3
Bathrooms
4
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateJune 1, 2026
Sold price information is available to members only
Listed Date5/26/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick, Vinyl Siding
BasementFinished, Full
Lot Size45 × 124.24 Feet
CountyElgin
Annual Tax$4,855.97
Legal DescriptionPCL 21-1 SEC 11M116; LT 21 PL 11M116 ST. THOMAS S/T PT 21 11R7794 AS IN LT43096; ST. THOMAS

Parking & Garage

Parking Spaces6.0
Garage Spaces4
Garage TypeAttached

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

Fenced Yard, Hospital, Lake/Pond, Park, School, School Bus Route

Interior Features

Sump Pump, Auto Garage Door Remote, Storage, Upgraded Insulation

Security Features

Community Features

Location

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64 Lake Margaret Trail, 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 64 Lake Margaret Trail, St. Thomas, ON N5R 6K5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
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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.

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Interest Rate5.25%
Down Payment$41,490 (6.2%)
* Minimum Canadian down payment required for this price is $41,490.
Amortization Period25 Years
Estimated Monthly Payment$3,715Based on a loan of $623,410 over 25 years.
Purchase Price$664,900
Loan Amount$623,410
Provincial Land Transfer Tax:$9,773
Total Estimated Closing Taxes:$9,773

About Purchasing a Home in St. Thomas, ON

For a property listed at $664,900 in St. Thomas, the legal minimum down payment is $41,490 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 $9,773 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 $9,773.

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$624,238

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.