Listed for:Listed Sep 8, 2026
$495,000

20 Victoria Street

St. Thomas, ON N5R 2E5

Detached House For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
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Sale & Price History for 20 Victoria Street, St. Thomas

No listing history available

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About 20 Victoria Street, St. Thomas

Summarized Description

  • Beautifully updated two-storey yellow brick home
  • Four spacious bedrooms and versatile loft space
  • Updated kitchen with walk-in pantry
  • Private back deck for outdoor enjoyment
  • Finished lower level with recreation room
  • In-floor heating and ductless cooling system
  • Located in a sought-after neighbourhood
  • Close to parks, schools, and local amenities

Come home to 20 Victoria St in St. Thomas, a beautifully updated two-storey yellow brick home nestled in the sought-after Courthouse neighbourhood. The second floor offers four spacious bedrooms, a full 4-piece bathroom, and access to a versatile loft space-perfect for a playroom, home office, or potential additional bedroom (just needs stairs).The main level features a welcoming foyer, bright and spacious principal rooms, an updated kitchen, dining area, and a walk-in pantry that could also be converted into a convenient laundry space, with direct access to a private back deck.The finished lower level includes a recreation room, laundry closet, 3-piece bathroom, and additional storage. The home is equipped with in-floor heating throughout and a ductless system on the second floor for both heating and cooling, updated AC unit. Added sound insulation between levels enhances comfort and privacy.Offering generous space for families or couples alike, this home also includes street parking with two neighbourhood passes (winter permits available separately), meaning no driveway maintenance.The Courthouse neighbourhood is one of St. Thomas' most charming and sought-after pockets, known for its mature tree-lined streets, historic homes, and strong sense of community. Centered around the iconic Elgin County Courthouse, the area offers a unique blend of character, walkability, and everyday convenience. With close proximity to parks, schools, and local amenities, it's a neighbourhood that combines timeless appeal with a truly livable lifestyle.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$2,936
Land Transfer Tax Fee
$6,375

Basement Type
Full, Finished

Interior Features

Interior Extras
Separate Heating Controls, Water Meter, Upgraded Insulation, Water Heater, Sump Pump
Fireplace/Stove
Yes
Fireplace Features
Roughed In, Living Room
Elevator
No

Exterior Features

Exterior Extras
Deck, Porch, Privacy
Pool
None
Accessibility Features
None

Building

Building Type
Detached
Building Style
2-Storey
Approx Age
51-99

Construction

Exterior Finish
Wood , Brick
Roof
Asphalt Shingle
Foundation Details
Block
Special Designation
Unknown

Lot

Lot Front
29.00 ft
Lot Depth
66.00 ft
Lot Size
0.045
Lot Shape
Irregular
Lot Size Code
66 x 29

Parking & Garages

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

Heating & Cooling

Heat Source
Ground Source
Heat Type
Radiant
Air Conditioning
None
Water
Municipal
Sewers
Sewer
Natural Gas
Yes
Hydro
Yes
Cable
Available
Telephone
Available

Bedrooms
4
Washrooms
2
Kitchens
1

Room sizes

  • Primary Bedroom—
    Second level
  • Dining Room—
    Main level
  • Recreation—
    Basement level
  • Utility Room—
    Basement level
  • Other—
    Basement level
  • Living Room—
    Main level
  • Kitchen—
    Main level
  • Bedroom—
    Second level
  • Loft—
    Third level
  • Bedroom—
    Second level
  • Bedroom—
    Second level

Washrooms

  • 4-piece, Second
  • 3-piece, Basement

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
Stanley st& Victoria
Zoning
R3
Directions
From Wellington Street head south on Metcalfe then west onto Victoria Street - house is on the south side. Parking is street parking.
Waterfront
None

MLS® number
X13753826
Data source
Toronto Regional Real Estate Board
Listed on
2026-09-08
Updated on
2026-09-08
Days on market
41 days
Possession date
2026-12-01
Possession type
30-59 days
Co-op commission
2.5% + hst
Seller
Listed by
REMAX YOUR COMMUNITY REALTY

Home Market Value

Current home valuation for 20 Victoria Street, St. Thomas, St. Thomas, ON. Listed for $495,000

HOMEH Estimate

?

$438,130

Estimated Sales Range

?

$346,123 - $530,137

HOMEH Estimate for 20 Victoria Street, St. Thomas

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

$438,130Medium confidence
Based on 11 comparable properties
+ $56,870 (13%) 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:5.0%

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

Minimum down payment

$24,750

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$18,810$13,811$11,781$0
=Total mortgage
$489,060$459,311$432,531$396,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,388monthly$2,243monthly$2,112monthly$1,933monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$6,375

Total Land Transfer Tax

$6,375

Around this home

1/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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2.8 /10

Arthur Voaden

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4.7 /10

John Wise

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