45 Cortland Terrace
St. Thomas, ON N5R 0J7
- 3+1Bedrooms
- 4Bathrooms
- 1Garage
- 1500–2000Sq Ft
- $3,892Tax
- 21×112 ftLot Size
Estimated Value:$535,500See Free Estimate Report
Property not available for sale or for rent.
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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 45 Cortland Terrace, St. Thomas
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2025-09-18 | 2025-09-30 | Login to See Prices | Sold | x12412627 |
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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 45 Cortland Terrace, St. Thomas
Welcome to this beautifully finished Hayhoe-built townhouse in highly sought-after south St. Thomas! Offering 3+1 bedrooms and 3.5 baths, this home is filled with thoughtful upgrades and a functional design. The main floor features hardwood and ceramic flooring, a bright kitchen with quartz counters, tile backsplash, and soft-close cabinetry, along with an inviting great room highlighted by an electric fireplace with wood mantel. Step out through the patio doors to enjoy your deck, garden boxes, and fully fenced backyard. Upstairs, the primary suite provides space for a king bed, a walk-in closet, and a 3-piece ensuite. Two additional bedrooms, a 4-piece bath, and a convenient second-floor laundry with folding station complete this level. The lower level is fully finished with a rec room, 4th bedroom/hobby room, a 4-piece bath, and plenty of storage. Stylish, spacious, and move-in ready, close to trails and parks, this townhouse is the perfect place to call home!
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,892
- Land Transfer Tax Fee
- $7,473
Rental Items
- Rental Equipment
- Water Heater
- Under Contract
- Hot Water Heater
- Basement Type
- Finished
Interior Features
- Laundry Level
- Upper Level
- Interior Extras
- ERV/HRV, Sump Pump
- Security Features
- Carbon Monoxide Detectors, Smoke Detector
- Fireplace/Stove
- Yes
- Fireplace Features
- Electric
- Elevator
- No
Exterior Features
- Exterior Extras
- Deck, Landscaped
- Pool
- None
- Property Features
- Fenced Yard, Hospital, Park
- Accessibility Features
- None
- Other Structures
- Garden Shed
Building
- Building Type
- Freehold Townhouse
- Building Style
- 2-Storey
- Approx Age
- 0-5
Construction
- Exterior Finish
- Brick Veneer, Vinyl Siding
- Roof
- Shingles
- Foundation Details
- Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 21.00 ft
- Lot Depth
- 112.20 ft
- Lot Shape
- Rectangular
Inclusions
- Inclusions
- FRIDGE, STOVE, DISHWASHER, WASHER, DRYER; GARAGE DOOR OPENER; T.V. WALL MOUNT; TRX CEILING MOUNT IN BASEMENT ROOM; SHED; PLANTER BOXES; WINDOW TREATMENTS; LIGHT FIXTURES; RING DOOR BELL
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
- Natural Gas
- Yes
- Hydro
- Yes
- Bedrooms
- 3 + 1
- Washrooms
- 4
- Kitchens
- 1
Room sizes
- Kitchen—Main level
- Dining Room—Main level
- Great Room—Main level, Electric Fireplace
- Primary Bedroom—Second level, 3 Pc Ensuite, Walk-In Closet(s)
- Bedroom 2—Second level
- Bedroom 3—Second level
- Laundry—Second level
- Recreation—Basement level
- Bedroom 4—Basement level
Washrooms
- 2-piece, Main
- 3-piece, Second
- 4-piece, Second
- 4-piece, Basement
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- PEACH TREE BLVD/ CORTLAND TERRACE
- Zoning
- R
- Directions
- From Peach Tree Boulevard, turn onto Cortland Terrace.
- Waterfront
- None
- MLS® number
- X12412627
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2025-09-30
- Listed on
- 2025-09-18
- Days on market
- 12 days
- Possession type
- Flexible
- Co-op commission
- 2% + HST
- Seller
- Listed by
- ROYAL LEPAGE TRILAND REALTY
Home Market Value
Current home valuation for 45 Cortland Terrace, St. Thomas, St. Thomas, ON. Listed for $549,900
HOMEH Estimate
$535,500
Estimated Sales Range
$471,240 - $599,760
HOMEH Estimate for 45 Cortland Terrace, 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 $49,900 over $500K
$29,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $20,786 | $15,342 | $13,088 | $0 |
=Total mortgage | $540,441 | $510,252 | $480,503 | $439,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,639monthly | $2,491monthly | $2,346monthly | $2,148monthly |
Land Transfer Tax
$7,473
$7,473
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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