125 Elm Street, Unit 3, St. Thomas, ON

$539,000
MLS#:X13576352
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 $539,000 (MLS# X13576352) - Main View
Open House
For Sale
Added:Jul 17, 2026(109 days ago)
Updated:Nov 3, 2026(today)
Last Checked:3 minutes ago

Property Highlights

Welcome to this remarkable 1 Storey/Apt condo apartment located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $539,000 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.

  • 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: Storage, Storage Area Lockers
  • equipped with central air central cooling and highly efficient forced air heating via electric

Description

Welcome to Pinafore Terrace, one of St. Thomas' most coveted waterfront condominium communities. Wake up overlooking beautiful Pinafore Lake and spend your evenings relaxing on your private balcony as the sun reflects across the water. Nestled beside picturesque Pinafore Park, this exceptional residence offers a peaceful lifestyle surrounded by nature while remaining just minutes from everyday amenities. Meticulously maintained and move-in ready, this spacious suite offers approximately 1,500 sq. ft. of thoughtfully designed living space. The generous floor plan features two spacious bedrooms, two full bathrooms, a versatile den ideal for a home office or reading room, and expansive principal rooms that provide the comfort and functionality of a bungalow with the convenience of condominium living. The oversized living room is the heart of the home, where large windows and sliding doors frame breathtaking views of Pinafore Lake and fill the space with natural light. Whether you're enjoying your morning coffee on the balcony, watching the changing seasons across the park, or entertaining family and friends, the spectacular setting creates a backdrop you'll never tire of. With only 12 residences, Pinafore Terrace offers a level of privacy, tranquility, and community rarely found in condominium living. Owners take exceptional pride in the building, creating a warm and welcoming environment complemented by secure entry, elevator access, underground parking, visitor parking, storage, and thoughtfully maintained common spaces. If you've been searching for a home where nature, comfort, and community come together, this is a rare opportunity to enjoy carefree waterfront living in one of St. Thomas' most desirable locations.

Upcoming Open Houses

1 Scheduled
Sunday, November 8, 202611:00 AM - 1:00 PMPublic
Price Drop Alert

Waiting for a price change? Get an instant notification if the seller reduces the asking price.

Want final closing price?
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!*

Schedule a Tour

Contact us to schedule a private viewing of this property.

Contact Agent

Generate CMA Report

Property Summary

This condo apartment located at 125 Elm Street, St. Thomas is currently for sale and has been available for 109 days. This property is listed at $539,000 with an estimated mortgage of $1,794* 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.

Work with the SOUSA TEAM to unlock your .

* 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$539,000
Maintenance Fee$350/mo
AddedJul 17, 2026 (109 days ago)
UpdatedNov 3, 2026 (today)
Last Checked3 minutes ago
Transaction TypeFor Sale
List Office NamePRIME REAL ESTATE BROKERAGE

Property Details

Property Sub-TypeCondo Apartment
Architectural Style1 Storey/Apt
ConstructionBrick
BasementNone
CountyElgin
Annual Tax$3,227
Rental ItemsRESERVE FUND FEE OF $3400 DUE EVERY SEPTEMBER

Parking & Garage

Parking Total1.0
Parking Space0
Garage Parking1.0
Garage TypeUnderground

Heating & Cooling

Heat SourceElectric
Heat TypeForced Air
CoolingCentral Air

Features

Property Features

  • Park
  • Waterfront

Interior Features

  • Storage
  • Storage Area Lockers

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 3, 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: $1,794*/month*. Estimated Ontario Land Transfer Tax: $7,255. 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 3, St. Thomas, ON

Q.What is the asking price for 125 Elm Street, Unit 3, St. Thomas, ON ?

The current listing price for 125 Elm Street, Unit 3, St. Thomas, ON in St. Thomas, St. Thomas is $539,000.

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 3, St. Thomas, ON ?

125 Elm Street, Unit 3, St. Thomas, ON is a Condo Apartment (1 Storey/Apt) featuring a None basement.

Q.What key property features does 125 Elm Street, Unit 3, St. Thomas, ON offer?

Key property features include: Park, Waterfront.

Q.What interior features are included in this home?

Interior highlights include: Storage, Storage Area Lockers.

Q.What security features are installed at 125 Elm Street, Unit 3, 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.

Virtual Tour & 3D Walkthrough

Open Tour in New Tab

Location

Initializing map...
125 Elm Street, Unit 3, St. Thomas, ON

Google Street View

Open in Google Maps
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.

Loading local market trends...

Pricing & Value Insights

Data-driven valuation for 125 Elm Street 3, St. Thomas, ON N5R 1H9

Estimated Sales Range
$512,000 - $528,000

Based on 0 recent similar sales in the pocket.

Market Speed
Loading stats...

Properties in this area are selling at a steady pace.

Market Trend
Calculating trend...

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$161,700 (30.0%)
* Minimum Canadian down payment required for this price is $28,900.
Amortization Period30 Years
Estimated Monthly Payment$1,794Based on a loan of $377,300 over 30 years.
Purchase Price$539,000
Loan Amount$377,300
Provincial Land Transfer Tax:$7,255
Total Estimated Closing Taxes:$7,255

About Purchasing a Home in St. Thomas, ON

For a property listed at $539,000 in St. Thomas, the legal minimum down payment is $28,900 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 $7,255 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 $7,255.

Similar Listings in St. Thomas, St. Thomas

Explore all Just Listed Homes in St. Thomas →

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.

Similar Active Listings in St. Thomas

Compare prices, square footage, and school zones for similar Residential Condo & Other nearby

All St. Thomas Homes
Residential Condo & Other for sale - 2 Bed, 3 Bath Home at 20 WINDEMERE Place St. Thomas ON listed at $479,900 (MLS# X14124454)
Added 5 days ago
$479,900Est. $1,597/mo
2bd
3ba
Residential Condo & Other

20 WINDEMERE Place, Unit 6, St. Thomas

Oct 28, 2026
DOM: 7

2 bed, 3 bath Condo Townhouse for sale in St. Thomas. View photos, price history, school ratings & sold comps.

MLS#: X14124454
For Sale
Residential Condo & Other for sale - 2 Bed, 2 Bath Home at 125 Elm Street St. Thomas ON listed at $499,900 (MLS# X14110494)
Added 11 days ago
$499,900Est. $1,664/mo
2bd
2ba
Residential Condo & Other

125 Elm Street, Unit 11, St. Thomas

Oct 23, 2026
DOM: 12

2 bed, 2 bath Condo Apartment for sale in St. Thomas. View photos, price history, school ratings & sold comps.

MLS#: X14110494
For Sale
Residential Condo & Other for sale - 2 Bed, 2 Bath Home at 410 Burwell Road St. Thomas ON listed at $419,900 (MLS# X14108184)
$419,900Est. $1,398/mo
2bd
2ba
Residential Condo & Other

410 Burwell Road, Unit 14, St. Thomas

Oct 22, 2026
DOM: 13

2 bed, 2 bath Vacant Land Condo for sale in St. Thomas. View photos, price history, school ratings & sold comps.

MLS#: X14108184
For Sale
Residential Condo & Other for sale - 2 Bed, 2 Bath Home at 16 Havenridge Court St. Thomas ON listed at $429,900 (MLS# X13853616)
Unavailable
members only
Unavailable: Members Only
2bd
2ba
Residential Condo & Other

16 Havenridge Court, Unit 8, St. Thomas

Oct 2, 2026
DOM: 33

Details & description blurred for terminated/expired listing.

MLS#: Members Only
Terminated