Listed for:Listed Jul 17, 2026
$539,000

Unit 3, 125 Elm Street

St. Thomas, ON N5R 1H9

Condo Apartment For Sale
Pinafore Terrace exteriorPinafore TerraceSee every listing here
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for Unit 3, 125 Elm Street, St. Thomas

No listing history available

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About Unit 3, 125 Elm Street, St. Thomas

Summarized Description

  • Located in a coveted waterfront community.
  • Private balcony with stunning lake views.
  • Spacious suite with two bedrooms and two bathrooms.
  • Versatile den ideal for office or reading.
  • Move-in ready with meticulous maintenance.
  • Close to nature and everyday amenities.
  • Only 12 residences for added privacy.
  • Community atmosphere with secure entry.

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.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,227
Land Transfer Tax Fee
$7,255

Condo/Maintenance Fee

Maintenance Fee
$350 /month

Included In Maintenance Fee

  • None

Rental Items

Rental Equipment
RESERVE FUND FEE OF $3400 DUE EVERY SEPTEMBER

Basement Type
None

Interior Features

Pets Permitted
Yes-with Restrictions
Laundry Features
In-Suite Laundry
Interior Extras
Storage, Storage Area Lockers
View
Lake
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
No
Elevator
Yes

Exterior Features

Balcony
Enclosed
Exterior Extras
Controlled Entry
Accessibility Features
Elevator, Wheelchair Access

Building Amenities

  • Elevator
  • Party Room/Meeting Room

Building

Building Type
Condo Apartment
Building Style
1 Storey/Apt
Building Name
Pinafore Terrace
Approx Age
31-50
Condo Corp Number
1

Construction

Exposure
South
Exterior Finish
Brick
Roof
Unknown
Foundation Details
Concrete
Special Designation
Unknown

Inclusions

Inclusions
Fridge, stove, dishwasher, microwave, washer, dryer

Parking & Garages

Garage Type
Underground
Garage Spaces
1
Parking Type
Exclusive
Parking Spaces
0
Total Garage And Parking Spaces
1

Lockers

Locker Type
Common
Locker Level
Lower

Heating & Cooling

Heat Source
Electric
Heat Type
Forced Air
Air Conditioning
Central Air

Bedrooms
2
Washrooms
2
Kitchens
1

Room sizes

  • Dining Room—
    Main level
  • Primary Bedroom—
    Main level
  • Bedroom—
    Main level
  • Living Room—
    Main level
  • Den—
    Main level
  • Kitchen—
    Main level

Washrooms

  • 3-piece, Main
  • 4-piece, Main

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
Elm & Sunset
Zoning
R5-12
Directions
East on Elm St from Sunset, building on the right
Waterfront
Direct

MLS® number
X13576352
Data source
Toronto Regional Real Estate Board
Listed on
2026-07-17
Updated on
2026-10-14
Days on market
93 days
Possession type
Flexible
Co-op commission
2% - 50% Holdback if introduced by LA
Seller
Listed by
PRIME REAL ESTATE BROKERAGE

Home Market Value

Current home valuation for Unit 3, 125 Elm Street, St. Thomas, St. Thomas, ON. Listed for $539,000

HOMEH Estimate

?

$416,122

Estimated Sales Range

?

$336,709 - $554,628

HOMEH Estimate for Unit 3, 125 Elm Street, St. Thomas

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$416,122Low confidence
Based on 6 comparable properties
+ $122,878 (30%) above our estimate
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Thomas, ON
Minimum Down Payment Required:5.4%

5% on first $500K + 10% on $39,000 over $500K

Minimum down payment

$28,900

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$20,396$15,038$12,828$0
=Total mortgage
$530,290$500,138$470,978$431,200
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,589monthly$2,442monthly$2,300monthly$2,105monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$7,255

Total Land Transfer Tax

$7,255

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