
186 Centre Street
St. Thomas, ON N5R 3A4
- 3+2Bedrooms
- 2Bathrooms
- 0Garage
- 1100–1500Sq Ft
- $2,721Tax
- 31×131 ftLot Size
- Estimated Value:$361,000See Free Estimate Report

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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.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$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 |
Land Transfer Tax
$5,073
$5,073
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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