
40 Metcalfe Street
St. Thomas, ON N5R 3K2
- 5Bedrooms
- 3Bathrooms
- 1Garage
- 2500–3000Sq Ft
- $2,962Tax
- 33×85 ftLot Size
- Estimated Value:$550,789See Free Estimate Report

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About 40 Metcalfe Street, St. Thomas
Summarized Description
- Investment opportunity with a self-contained in-law suite
- Fully renovated with modern comforts and timeless character
- Five bedrooms and two kitchens for versatile living
- Finished third-floor loft for extra living space
- Located in a historic neighbourhood near local amenities
- Currently tenanted at $4025.00 per month, all-inclusive
- Heated garage and fully fenced backyard for convenience
- Perfect for multigenerational living or rental income
Fully tenanted, investment opportunity with an IN-LAW SUITE! Welcome to this beautifully updated property tucked away in a quiet pocket of St. Thomas, just steps from the charm of the Courthouse District. Featuring a self-contained in-law suite with a separate entrance, this property offers exceptional versatility for multigenerational living or additional income. With five bedrooms, two kitchens, two laundry rooms, a heated single-car garage, and a fully fenced backyard, this home combines modern comfort with timeless character. The main floor showcases a welcoming covered porch, bright open-concept living and dining areas, and a stylish kitchen with stainless steel appliances, an island, walk-in pantry, convenient two-piece washroom and interior access to the heated garage. Upstairs, you'll find a spacious primary bedroom with a walk-in closet, a second bedroom, a laundry room, and a four-piece bathroom. The finished third-floor loft adds valuable living space, perfect for a bedroom, private retreat, home office, or playroom. The lower level offers a beautifully designed in-law suite complete with a modern kitchen, comfortable living area, two bright bedrooms, a three-piece bathroom, laundry, and storage. Located in a historic neighbourhood surrounded by beautiful architecture, this home is within walking distance to local amenities such as cafes, restaurants, and shops, and just minutes from the Elevated Park and V.A. Barrie Disc Golf Park. A rare opportunity to own a stylish, updated property in one of St. Thomas's most desirable areas. The property is currently tenanted at $4025.00 per month, all-inclusive.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $2,962
- Land Transfer Tax Fee
- $9,673
- Basement Type
- Finished, Full
Interior Features
- Interior Extras
- On Demand Water Heater, In-Law Suite
- Fireplace/Stove
- No
- Fireplace Features
- Other
- Elevator
- No
Exterior Features
- Exterior Extras
- Porch
- Pool
- None
- Property Features
- Place Of Worship, School Bus Route, Public Transit, Fenced Yard
Building
- Building Type
- Detached
- Building Style
- 2 1/2 Storey
Construction
- Exterior Finish
- Brick
- Roof
- Asphalt Shingle
- Foundation Details
- Block
- Special Designation
- Unknown
Lot
- Lot Front
- 33.00 ft
- Lot Depth
- 84.50 ft
Inclusions
- Inclusions
- Washer x 2, Dryer x 2, Fridge x 2, Stove x 2, Dishwasher, Built in Microwave
Exclusions
- Exclusions
- Tenants' belongings
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 1
- Parking Spaces
- 2
- Total Garage And Parking Spaces
- 3
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 5
- Washrooms
- 3
- Kitchens
- 2
Room sizes
- Foyer—Main level
- Living Room—Main level
- Dining Room—Main level
- Kitchen—Main level
- Bathroom—Main level, 2 Pc Bath
- Primary Bedroom—Second level, Walk-In Closet(s)
- Bedroom—Second level
- Laundry—Second level
- Bathroom—Second level, 4 Pc Bath
- Bedroom—Third level
- Kitchen—Lower level
- Living Room—Lower level
- Bedroom—Lower level
- Bedroom—Lower level
- Laundry—Lower level
- Bathroom—Lower level, 3 Pc Bath
Washrooms
- 2-piece, Main
- 4-piece, Second
- 3-piece, Basement
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- St Annes Place
- Zoning
- R4
- Directions
- Between St Annes Place and Centre Street
- MLS® number
- X13210102
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-09-15
- Listed on
- 2026-05-28
- Days on market
- 110 days
- Possession type
- Flexible
- Co-op commission
- 2%
- Seller
- Listed by
- ROYAL LEPAGE TRILAND REALTY
Home Market Value
Current home valuation for 40 Metcalfe Street, St. Thomas, St. Thomas, ON. Listed for $659,900
HOMEH Estimate
$550,789
Estimated Sales Range
$435,123 - $666,455
HOMEH Estimate for 40 Metcalfe 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% on first $500K + 10% on $159,900 over $500K
$40,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $24,733 | $18,411 | $15,706 | $0 |
=Total mortgage | $643,059 | $612,321 | $576,621 | $527,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $3,140monthly | $2,990monthly | $2,815monthly | $2,578monthly |
Land Transfer Tax
$9,673
$9,673
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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