Sold for:Sold May 28, 2026
$429,900

186 Centre Street

St. Thomas, ON N5R 3A4

Detached House SoldNot available
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031

Property not available for sale or for rent.

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Sale & Price History for 186 Centre Street, St. Thomas

2026-05-06
2026-05-28
Sold
Price
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MLS#
x13088794
2026-02-05
2026-05-06
Expired
Price
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2025-07-31
2025-09-29
Terminated
Price
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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 186 Centre Street, St. Thomas

Summarized Description

  • Centrally located near downtown St.
  • Thomas.
  • Four-level back split with flexible living space.
  • Private two-car driveway and ample street parking.
  • Spacious deck and hot tub for outdoor enjoyment.
  • Three bedrooms upstairs with a 4-piece bathroom.
  • Lower level features additional bedrooms and den.
  • Generous storage space and dedicated laundry area.
  • Great value for families, first-time buyers, or investors.

Welcome to 186 Centre Street, a centrally located 3+2 bedroom, two bath, four-level back split offering exceptional convenience just minutes from downtown St. Thomas, shops, parks, schools, and everyday amenities. This inviting home features a charming front porch, a private two-car driveway, and plenty of additional street parking. Step inside to a welcoming entryway that opens into a bright living room, highlighted by a large front window that fills the space with natural light. Just beyond, you'll find a cozy eat-in kitchen that makes excellent use of its footprint, offering sufficient counter space and a functional island for added prep and workspace. Off the kitchen, access the side porch leading to the backyard, where you'll enjoy a spacious deck, hot tub, and storage sheds - perfect for relaxing or entertaining outdoors. Upstairs, the home offers three comfortable bedrooms and a 4-piece bathroom. The lower level adds even more versatility, featuring a 3-piece bathroom with recently updated tile flooring, a charming den ideal for a reading nook, play area, or home gym, and two additional bedrooms. A few steps down, the basement level provides generous storage space, a dedicated laundry area, and a workbench well-suited for crafting, hobbies, or projects. Well laid out and located in the heart of the city, this home offers flexible living space and great value for families, first-time buyers, or investors alike.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$2,721
Land Transfer Tax Fee
$5,073

Rental Items

Rental Equipment
HWT
Under Contract
Hot Water Tank-Gas

Basement Type
Full

Interior Features

Interior Extras
Storage
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Deck, Hot Tub, Porch
Pool
Above Ground
Property Features
Fenced Yard, Hospital, Library, Park, Public Transit, School
Other Structures
Fence - Full, Shed

Building

Building Type
Detached
Building Style
Backsplit 4
Approx Age
51-99

Construction

Exterior Finish
Brick, Vinyl Siding
Roof
Asphalt Shingle
Foundation Details
Concrete
Special Designation
Unknown

Lot

Lot Front
30.75 ft
Lot Depth
131.05 ft
Lot Size
4080
Lot Shape
Rectangular

Inclusions

Inclusions
FRIDGE, STOVE, DISHWASHER, WASHER & DRYER & HOT TUB

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
2
Total Garage And Parking Spaces
2

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer
Natural Gas
Yes
Hydro
Yes
Cable
Yes
Telephone
Yes

Bedrooms
3 + 2
Washrooms
2
Kitchens
1
Family / bonus room
Yes

Room sizes

  • Living Room—
    Main level
  • Kitchen—
    Main level, Eat-in Kitchen, Granite Counters
  • Dining Room—
    Main level
  • Bathroom—
    Second level, 4 Pc Bath
  • Primary Bedroom—
    Second level
  • Bedroom 2—
    Second level
  • Bedroom 3—
    Second level
  • Bedroom 4—
    Lower level
  • Bedroom 5—
    Lower level
  • Den—
    Lower level
  • Bathroom—
    Lower level, 3 Pc Bath
  • Utility Room—
    Basement level, Combined w/Laundry

Washrooms

  • 4-piece, Second
  • 3-piece, Lower

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
WHITE STREET
Zoning
C-8
Directions
FROM 401 TAKE WHY 4 INTO/TALBOT STREET INTO ST. THOMAS, AT THE ROUNDABOUT CONTINUE STRAIGHT ONTO TALBOT STREET, THEN TURN RIGHT ONTO WHITE STREET, FOLLOWED BY RIGHT ONTO CENTRE STREET, PROPERTY WILL BE ON YOUR LEFT.
Waterfront
None

MLS® number
X13088794
Data source
Toronto Regional Real Estate Board
Status change
2026-05-28
Listed on
2026-05-06
Days on market
22 days
Possession type
Immediate
Co-op commission
2%+HST- 50% HOLDBACK IF INTRODUCED BY LA
Seller
Listed by
RE/MAX CENTRE CITY REALTY INC.

Home Market Value

Current home valuation for 186 Centre Street, St. Thomas, St. Thomas, ON. Listed for $429,900

HOMEH Estimate

?

$361,000

Estimated Sales Range

?

$262,316 - $459,684

HOMEH Estimate for 186 Centre Street, St. Thomas

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

$361,000Low confidence
Based on 8 comparable properties
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:5.0%

5% of purchase price for homes $500K or less

Minimum down payment

$21,495

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$16,336$11,994$10,232$0
=Total mortgage
$424,741$398,904$375,647$343,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,074monthly$1,948monthly$1,834monthly$1,679monthly
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Land Transfer Tax

Provincial

$5,073

Total Land Transfer Tax

$5,073

Around this home

2/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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