Listed for:Listed 6 days ago
$449,900

3 Margaret Street

St. Thomas, ON N5R 3H5

Detached House For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 3 Margaret Street, 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 3 Margaret Street, St. Thomas

Summarized Description

  • Located in the sought-after courthouse district.
  • Spacious interior with charming character.
  • Ravine views from the covered front porch.
  • Updated kitchen and heated mudroom.
  • Private suite on the third floor.
  • Gas fireplace in the living room.
  • Four bedrooms and a 4 pc bathroom.
  • Park-like green space steps away.

Location, Location! This beautiful 2.5 storey century home is located in the sought after courthouse district and ready to be enjoyed by the whole family. With ravine views from the covered front porch as you enter the home you are welcomed by hardwood floors throughout the generous sized living room complete with gas fireplace leading to the formal dining room and updated GCW kitchen as well as heated mudroom. The second floor is home to 4 bedrooms and a 4 pc bathroom and leads to the 5th bedroom on the third floor feeling more like a private suite with its own heat pump installed providing heat and air conditioning. The basement is unfinished with laundry and storage space. While this home doesn't have a backyard, it makes up for it with its spacious interior, charming character, and park-like green space just steps away.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$3,237
Land Transfer Tax Fee
$5,473

Rental Items

Rental Equipment
Hot water heater

Basement Type
Unfinished

Interior Features

Laundry Level
Lower Level
Interior Extras
Other
Fireplace/Stove
Yes
Elevator
No

Exterior Features

Pool
None

Building

Building Type
Detached
Building Style
2 1/2 Storey
Approx Age
100+

Construction

Exterior Finish
Brick
Roof
Metal
Foundation Details
Block
Special Designation
Unknown

Lot

Lot Front
31.99 ft
Lot Depth
75.00 ft

Inclusions

Inclusions
Fridge, stove, washer, dryer, dishwasher

Parking & Garages

Garage Type
Detached
Garage Spaces
1
Parking Spaces
2
Total Garage And Parking Spaces
3

Heating & Cooling

Heat Source
Electric
Heat Type
Forced Air
Air Conditioning
Central Air, Other
Water
Municipal
Sewers
Sewer

Bedrooms
5
Washrooms
2
Kitchens
1

Room sizes

  • Dining Room—
    Main level
  • Bedroom—
    Second level
  • Bedroom—
    Second level
  • Living Room—
    Main level
  • Foyer—
    Main level
  • Bedroom—
    Second level
  • Kitchen—
    Main level
  • Bedroom—
    Third level
  • Room—

Washrooms

  • 4-piece, Second
  • 2-piece, Main

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
MARGARET ST. & VICTORIA ST.
Zoning
R3
Directions
From Talbot St. South on William St. stay right of courthouse on Stanley St. then stay left at Margaret St. House is on the corner of Margaret St. and Victoria St.

MLS® number
X13879898
Data source
Toronto Regional Real Estate Board
Listed on
2026-10-09
Updated on
2026-10-09
Days on market
6 days
Possession date
2026-11-15
Possession type
Flexible
Co-op commission
2%+HST
Seller
Listed by
RE/MAX CENTRE CITY REALTY INC

Home Market Value

Current home valuation for 3 Margaret Street, St. Thomas, St. Thomas, ON. Listed for $449,900

HOMEH Estimate

?

$412,001

Estimated Sales Range

?

$325,481 - $498,521

HOMEH Estimate for 3 Margaret Street, St. Thomas

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

$412,001Medium confidence
Based on 5 comparable properties
+ $37,899 (9%) 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

$22,495

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$17,096$12,552$10,708$0
=Total mortgage
$444,501$417,462$393,123$359,920
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,170monthly$2,038monthly$1,919monthly$1,757monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$5,473

Total Land Transfer Tax

$5,473

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