Listed for:Listed 28 days ago
$584,999

22 Montgomery Road

St. Thomas, ON N5R 1S5

Detached House For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
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Sale & Price History for 22 Montgomery Road, 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 22 Montgomery Road, St. Thomas

Summarized Description

  • Versatile property with legal basement apartment.
  • Bright 3-bedroom main floor with vaulted ceilings.
  • Open-concept kitchen ideal for entertaining.
  • Perfect for multi-generational living or rental income.
  • Located near schools, parks, and shopping.
  • Outstanding flexibility for homeowners and investors.
  • Access to London and Highway 401.

**LEGAL BASEMENT** Welcome to 22 Montgomery Rd, St. Thomas, an exceptional opportunity for homeowners and investors alike! This versatile property features a bright and spacious 3-bedroom, 1-bathroom main floor with an open-concept kitchen showcasing impressive vaulted ceilings, creating an inviting space for everyday living and entertaining. The fully legal basement apartment offers an additional 3 bedrooms, 1 bathroom, a full kitchen, and a generous living area, making it ideal for multi-generational living or generating rental income to help offset your mortgage. Whether you're looking to live in one unit and rent the other or expand your investment portfolio, this property delivers outstanding flexibility and value. Conveniently located close to schools, parks, shopping, restaurants, grocery stores, and all everyday amenities, with easy access to London and Highway 401, this home is perfectly situated in one of Southwestern Ontario's fastest-growing communities. Don't miss your chance to own this legal duplex offering incredible income potential and long-term value.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,082
Land Transfer Tax Fee
$8,175

Rental Items

Rental Equipment
Hot Water Tank

Basement Type
Finished with Walk-Out

Interior Features

Interior Extras
Carpet Free, Primary Bedroom - Main Floor, Water Meter
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
No
Elevator
No

Exterior Features

Pool
None
Property Features
Hospital, Park, School, Ravine, Rec./Commun.Centre, Wooded/Treed

Building

Building Type
Detached
Building Style
Bungalow

Construction

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

Lot

Lot Front
70.00 ft
Lot Depth
125.00 ft

Inclusions

Inclusions
Stainless Steel Appliances (2 x Fridge, 2 x Stove, Dishwasher) 2 x Washer, 2 x Dryer, AirConditioner

Parking & Garages

Garage Type
Attached
Garage Spaces
1
Parking Spaces
4
Total Garage And Parking Spaces
5

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer

Bedrooms
3 + 3
Washrooms
2
Kitchens
2

Room sizes

  • Bedroom—
    Ground level, Closet, Pot Lights, Window
  • Kitchen—
    Ground level, Pot Lights, Stainless Steel Appl, Quartz Counter
  • Living Room—
    Ground level, Combined w/Dining, Pot Lights, Sliding Doors
  • Living Room—
    Basement level, Pot Lights, Window
  • Kitchen—
    Basement level, Pot Lights, Stainless Steel Appl
  • Bedroom 2—
    Ground level, Closet, Pot Lights, Window
  • Bedroom 3—
    Ground level, Closet, Pot Lights, Window
  • Bedroom—
    Basement level, Pot Lights, Closet, Window
  • Bedroom 3—
    Basement level, Pot Lights, Window, Closet
  • Bedroom 2—
    Basement level, Pot Lights, Closet, Window

Washrooms

  • 3-piece, Ground
  • 3-piece, Basement

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
Elm St. / First Ave
Directions
Elm St. / First Ave

MLS® number
X13799106
Data source
Toronto Regional Real Estate Board
Listed on
2026-09-17
Updated on
2026-09-17
Days on market
28 days
Possession date
2026-09-30
Possession type
Flexible
Co-op commission
2.5 + HST
Seller
Listed by
RE/MAX MILLENNIUM REAL ESTATE

Home Market Value

Current home valuation for 22 Montgomery Road, St. Thomas, St. Thomas, ON. Listed for $584,999

HOMEH Estimate

?

$462,331

Estimated Sales Range

?

$365,241 - $585,177

HOMEH Estimate for 22 Montgomery Road, St. Thomas

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

$462,331Medium confidence
Based on 15 comparable properties
+ $122,668 (27%) 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:5.7%

5% on first $500K + 10% on $84,999 over $500K

Minimum down payment

$33,500

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$22,043$16,321$13,923$0
=Total mortgage
$573,112$542,820$511,172$467,999
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,798monthly$2,650monthly$2,496monthly$2,285monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$8,175

Total Land Transfer Tax

$8,175

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