21 Oak Street
St. Thomas, ON N5R 1R5
- 3Bedrooms
- 2Bathrooms
- 1Garage
- 700–1100Sq Ft
- $2,600Tax
- 33×132 ftLot Size
Estimated Value:$398,000See Free Estimate Report
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About 21 Oak Street, St. Thomas
Summarized Description
- Charming 3-bedroom bungalow on a quiet street
- Move-in ready with modern updates throughout
- Freshly painted interior and brand-new carpeting
- Cozy family room with natural gas fireplace
- Dedicated home office space in the basement
- Single detached garage for extra storage
- Close to parks, schools, and shopping
- Scenic ravine backdrop offers privacy
Welcome to 21 Oak Street, a charming 3-bedroom bungalow perfectly positioned on a quiet dead-end street in one of St. Thomas's most sought-after neighborhoods. This home is located just a short stroll from the beautiful Pinafore Park, elementary schools, high schools, St. Thomas Elgin General Hospital and shopping. This home offers a rare combination of nature and urban convenience. Main Floor Features The classic brick and vinyl exterior opens into a bright, inviting interior that has been freshly painted throughout (2026). The main level offers a functional layout with three bedrooms and a full 4-piece bathroom, making it an ideal setup for families, first-time buyers, or those looking to downsize. The kitchen features wood cabinets made by the owner. The basement significantly expands your living space, featuring a cozy family room with brand-new carpeting (2026) and a natural gas fireplace-the perfect spot for winter evenings. You will also find a dedicated home office for those who work from home, a convenient half-bath, and plenty of storage. This home has many updates including: 100-amp breaker panel (2026), furnace service (2026) and fireplace service (2026). The single detached garage provides extra storage or sheltered parking. Enjoy the privacy of no through-traffic and the scenic backdrop of the ravine. This move-in-ready home combines the peace of a cottage-like setting with the reliability of modern updates. Experience the best of St. Thomas living in a home that has been cared for from top to bottom.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $2,600
- Land Transfer Tax Fee
- $4,575
Rental Items
- Rental Equipment
- HWT
- Under Contract
- Hot Water Heater
- Basement Type
- Full, Partially Finished
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Auto Garage Door Remote, Primary Bedroom - Main Floor
- Fireplace/Stove
- Yes
- Fireplace Features
- Natural Gas
- Elevator
- No
Exterior Features
- Exterior Extras
- Deck, Porch, Patio
- Pool
- None
- Property Features
- Hospital, Cul de Sac/Dead End, Park, Public Transit, Ravine, School
- Other Structures
- Garden Shed
Building
- Building Type
- Detached
- Building Style
- Bungalow
- Approx Age
- 100+
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Block, Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 33.00 ft
- Lot Depth
- 132.00 ft
Inclusions
- Inclusions
- Stove, Fridge, Dishwasher, Washer, Dryer
Exclusions
- Exclusions
- NA
Parking & Garages
- Garage Type
- Detached
- Garage Spaces
- 1
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 5
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- None
- Water
- Municipal
- Sewers
- Sewer
- Natural Gas
- Yes
- Hydro
- Yes
- Cable
- Yes
- Telephone
- Yes
- Bedrooms
- 3
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Bedroom—Main level
- Recreation—Basement level
- Office—Basement level
- Bedroom—Main level
- Dining Room—Main level
- Utility Room—Basement level
- Bedroom—Main level
- Living Room—Main level
- Kitchen—Main level
- Workshop—Basement level
Washrooms
- 4-piece, Main
- 2-piece, Basement
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Elmina
- Directions
- Elmina
- MLS® number
- X13499984
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-08-12
- Listed on
- 2026-06-29
- Days on market
- 44 days
- Possession type
- Flexible
- Co-op commission
- 2%+hst
- Seller
- Listed by
- ROYAL LEPAGE TRILAND REALTY
Home Market Value
Current home valuation for 21 Oak Street, St. Thomas, St. Thomas, ON. Listed for $405,000
HOMEH Estimate
$398,000
Estimated Sales Range
$314,420 - $481,580
HOMEH Estimate for 21 Oak 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
$20,250
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $15,390 | $11,300 | $9,639 | $0 |
=Total mortgage | $400,140 | $375,800 | $353,889 | $324,000 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $1,954monthly | $1,835monthly | $1,728monthly | $1,582monthly |
Land Transfer Tax
$4,575
$4,575
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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