86 Kains Street, St. Thomas, ON

$350,000
MLS#:X13663634
5 beds
2 baths
1500-2000 sqft
2.0 parking
Residential Freehold
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Property Highlights

Welcome to this remarkable 2 1/2 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 $350,000 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.

  • 5 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1500-2000 sqft on a premium 41.88 x 42.36 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • 2.0 total parking spaces available
  • Notable attributes: Water Heater, Workbench
  • equipped with central air central cooling and highly efficient forced air heating via gas

Description

Don't miss the opportunity to own this beautifully updated, turnkey home in the heart of downtown St. Thomas. Offering five spacious bedrooms, one and a half bathrooms, and an additional convenient washroom in the basement. This home provides plenty of space for both family and guests. A perfect blend of original charm and modern updates, the home showcases stunning features like a classic wood staircase, high ceilings, and traditional trim. Renovated in 2020, it includes a new kitchen, a stylish main-floor powder room, a striking stone fireplace, updated flooring throughout, and a fully redone upstairs bathroom. Additional updates include a certified 100-amp electrical panel, some new plumbing, new windows, a side entrance, and a concrete driveway. Please note, the fireplace is being sold as is and will require WETT certification. Recent improvements to the neighborhood include completed roadwork with fresh pavement, new sidewalks, and curbs. The driveway curb has also been extended to allow for extra parking on the front lawn. Winter overnight street parking is available by permit. This home is truly move-in ready. Just settle in and enjoy!

Upcoming Open Houses

Saturday, August 15, 20262:00 PM - 4:00 PMPublic
Sunday, August 16, 20262:00 PM - 4:00 PMPublic
Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

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Property Summary

This detached home located at 86 Kains Street, St. Thomas is currently for sale and has been available on SousaSells for 0 days. This property is listed at $350,000 with an estimated mortgage of $1,165* per month. It has 5 beds, 2 bathrooms, and is 1500-2000 square feet. 86 Kains 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 5 bedrooms and 2 bathrooms, 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
  • 5 spacious bedroom layout offering versatile living space
  • 2 well-appointed bathrooms
  • 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
5
Bathrooms
2
Kitchens
1
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Listed Date8/11/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDetached
Architectural Style2 1/2 Storey
ConstructionBrick, Vinyl Siding
BasementFull, Unfinished
Lot Size41.88 × 42.36 Feet
CountyElgin
Annual Tax$2,083.59
Legal DescriptionPT LT 79 PL 115 ST. THOMAS AS IN E204978; ST. THOMAS

Parking & Garage

Parking Total2.0
Parking Space2
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Beach
  • Fenced Yard
  • Hospital
  • Library
  • Park
  • Place Of Worship

Interior Features

  • Water Heater
  • Workbench

Security Features

None listed

Community Features

None listed

Frequently Asked Questions about 86 Kains Street, St. Thomas, ON

Q.What is the asking price for 86 Kains Street, St. Thomas, ON ?

The current listing price for 86 Kains Street, St. Thomas, ON in St. Thomas, St. Thomas is $350,000.

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

This property features 5 bedrooms and 2 bathrooms across approximately 1500-2000 sqft.

Q.What property type and architectural style is 86 Kains Street, St. Thomas, ON ?

86 Kains Street, St. Thomas, ON is a Detached (2 1/2 Storey) featuring a Full, Unfinished basement.

Q.What key property features does 86 Kains Street, St. Thomas, ON offer?

Key property features include: Beach, Fenced Yard, Hospital, Library, Park, Place Of Worship.

Q.What interior features are included in this home?

Interior highlights include: Water Heater, Workbench.

Q.Is parking available at this property?

Yes, this property offers parking space for 2.0 vehicles (None).

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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86 Kains 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 86 Kains Street, St. Thomas, ON N5P 1N7

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.

Configure Loan Settings

Interest Rate4.00%
Down Payment$105,000 (30.0%)
* Minimum Canadian down payment required for this price is $17,500.
Amortization Period30 Years
Estimated Monthly Payment$1,165Based on a loan of $245,000 over 30 years.
Purchase Price$350,000
Loan Amount$245,000
Provincial Land Transfer Tax:$3,725
Total Estimated Closing Taxes:$3,725

About Purchasing a Home in St. Thomas, ON

For a property listed at $350,000 in St. Thomas, the legal minimum down payment is $17,500 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 $3,725 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 $3,725.

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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

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St. Thomas, St. Thomas Demographic Home information

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.