125 Elm Street, Unit 11, St. Thomas, ON

$499,900
MLS#:X14110494
2 beds
2 baths
1400-1599 sqft
1.0 parking
Residential Condo & Other
Residential Condo & Other for sale - 2 Bed, 2 Bath Home at 125 Elm Street St. Thomas ON listed at $499,900 (MLS# X14110494) - Main View
For Sale
Added:Oct 23, 2026(1 day ago)
Updated:Oct 23, 2026(1 day ago)
Last Checked:4 minutes ago

Property Highlights

Welcome to this remarkable Apartment condo apartment located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $499,900 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.

  • 2 Bedrooms and 2 Bathrooms
  • Generous living space spanning 1400-1599 sqft
  • Ample parking with 1.0 garage spaces (1.0 total parking spaces) with a convenient underground configuration
  • Notable attributes: Separate Heating Controls
  • equipped with central air central cooling and highly efficient forced air heating via electric

Description

Welcome to Pinafore Terrace - 11-125 Elm Street, St. Thomas. Enjoy carefree condo living in this beautifully bright 3rd-floor lakeview unit located in St. Thomas's desirable south end. This well-maintained building offers a secured entrance, underground parking, elevator access, visitor parking, a gym, and a community/party room for larger gatherings. The unit includes one storage locker on the 3rd floor plus an additional storage area downstairs. Step inside this spacious 2-bedroom plus den condo and immediately appreciate the open, airy layout. The foyer features a convenient closet and leads to an updated galley kitchen, flowing seamlessly into the generous dining area and expansive living room. Large sliding doors open to your oversized balcony, where you'll enjoy panoramic views of Pinafore Lake-a view that carries through almost every room. Just off the living area is a versatile den, ideal for a home office, reading nook, or sitting room to take in the scenery.Down the hall you'll find in-suite laundry, a 3-piece guest bathroom, and a spacious second bedroom with a large closet and lake views. The primary suite is thoughtfully designed with a walk-in closet, 4-piece ensuite, and ample space to make it your own-all while waking up to serene water views. Perfect for retirees seeking low-maintenance living or anyone looking to embrace the condo lifestyle in a peaceful setting.

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Property Summary

This condo apartment located at 125 Elm Street, St. Thomas is currently for sale and has been available for 1 day. This property is listed at $499,900 with an estimated mortgage of $1,664* per month. It has 2 beds, 2 bathrooms, and is 1400-1599 square feet. 125 Elm 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 2 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
  • •2 spacious bedroom layout offering versatile living space
  • •2 well-appointed bathrooms
  • •1400-1599 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Urban professionals, first-time buyers, or investors looking for low-maintenance living in St. Thomas.

Target Buyer Match

Key Features

Bedrooms
2
Bathrooms
2
Kitchens
1
Living Area
1400-1599 sqft
Property Type
Residential Condo & Other

Additional Details

StatusActive
Price$499,900
Maintenance Fee$350/mo
AddedOct 23, 2026 (1 day ago)
UpdatedOct 23, 2026 (1 day ago)
Last Checked4 minutes ago
Transaction TypeFor Sale
List Office NameRE/MAX CENTRE CITY REALTY INC.

Property Details

Property Sub-TypeCondo Apartment
Architectural StyleApartment
ConstructionBrick
BasementNone
CountyElgin
Annual Tax$3,011.46
Rental ItemsHWT

Parking & Garage

Parking Total1.0
Parking Space1
Garage Parking1.0
Garage TypeUnderground

Heating & Cooling

Heat SourceElectric
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Greenbelt/Conservation
  • Hospital
  • Lake/Pond
  • Library
  • Park
  • Waterfront

Interior Features

  • Separate Heating Controls

Security Features

  • Carbon Monoxide Detectors
  • Smoke Detector

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 2-bedroom condo apartment at 125 Elm Street, Unit 11, 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

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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: $1,664*/month*. Estimated Ontario Land Transfer Tax: $6,473. 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 125 Elm Street, Unit 11, St. Thomas, ON

Q.What is the asking price for 125 Elm Street, Unit 11, St. Thomas, ON ?

The current listing price for 125 Elm Street, Unit 11, St. Thomas, ON in St. Thomas, St. Thomas is $499,900.

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

This property features 2 bedrooms and 2 bathrooms across approximately 1400-1599 sqft.

Q.What property type and architectural style is 125 Elm Street, Unit 11, St. Thomas, ON ?

125 Elm Street, Unit 11, St. Thomas, ON is a Condo Apartment (Apartment) featuring a None basement.

Q.What key property features does 125 Elm Street, Unit 11, St. Thomas, ON offer?

Key property features include: Greenbelt/Conservation, Hospital, Lake/Pond, Library, Park, Waterfront.

Q.What interior features are included in this home?

Interior highlights include: Separate Heating Controls.

Q.What security features are installed at 125 Elm Street, Unit 11, St. Thomas, ON ?

Security features include: Carbon Monoxide Detectors, Smoke Detector.

Q.Is parking available at this property?

Yes, this property offers parking space for 1.0 vehicle (Underground).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via Central Air.

Location

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125 Elm Street, Unit 11, 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 125 Elm Street 11, St. Thomas, ON N5R 1H9

Estimated Sales Range
$475,000 - $490,000

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$149,970 (30.0%)
* Minimum Canadian down payment required for this price is $24,995.
Amortization Period30 Years
Estimated Monthly Payment$1,664Based on a loan of $349,930 over 30 years.
Purchase Price$499,900
Loan Amount$349,930
Provincial Land Transfer Tax:$6,473
Total Estimated Closing Taxes:$6,473

About Purchasing a Home in St. Thomas, ON

For a property listed at $499,900 in St. Thomas, the legal minimum down payment is $24,995 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 $6,473 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 $6,473.

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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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