Open house
Sat, Oct 17·1:00 p.m.–3:00 p.m.(Public)
Listed for:Listed Jul 20, 2026
$542,300

45 Harrow Lane

St. Thomas, ON N5R 0P3

Semi-Detached House For Sale
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 45 Harrow Lane, 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 45 Harrow Lane, St. Thomas

Summarized Description

  • Doug Tarry built, ensuring quality craftsmanship.
  • Energy Star and Net Zero Ready for efficiency.
  • Three spacious bedrooms with a primary ensuite.
  • Modern kitchen with quartz countertops and backsplash.
  • Unfinished basement offers customization potential.
  • Located near walking trails and parks.
  • Move-in ready for immediate comfort.

HST REMOVED! Welcome to the Elmwood model located in Harvest Run. This Doug Tarry built, 2-storey semi detached is the perfect starter home. A Kitchen, Dining Area, Great Room & Powder Room occupy the main level. The second level features 3 spacious Bedrooms including the Primary Bedroom (complete with 3pc Ensuite & Walk-in Closet) as well as a 4pc main Bathroom. The unfinished basement is a blank canvas, ready for you to design tailored to your needs. Notable Features: Luxury Vinyl Plank & Carpet Flooring, Tiled Backsplash & Quartz countertops in Kitchen, Covered Front Porch & Attached 1.5 Car Garage. This High Performance Doug Tarry Home is both Energy Star & Net Zero Ready. A fantastic location with walking trails & park. All that is left to do is move in, get comfortable & Enjoy! Welcome Home! *Price reflects HST rebate. Rebate subject to government approval and buyer eligibility. Seller makes no representations. Price may change if rebate not applicable.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$0
Land Transfer Tax Fee
$7,321

Rental Items

Rental Equipment
Tankless Water Heater
Under Contract
Tankless Water Heater

Basement Type
Unfinished

Interior Features

Laundry Level
Lower Level
Interior Extras
Auto Garage Door Remote, ERV/HRV, Sump Pump
Security Features
Carbon Monoxide Detectors, Smoke Detector
Fireplace/Stove
No
Elevator
No

Exterior Features

Exterior Extras
Porch
Pool
None
Property Features
Park, Rec./Commun.Centre, Hospital
Other Structures
None

Building

Building Type
Semi-Detached
Building Style
2-Storey
Approx Age
New

Construction

Exterior Finish
Brick Veneer, Vinyl Siding
Roof
Shingles
Foundation Details
Poured Concrete
Special Designation
Unknown

Lot

Lot Front
32.80 ft
Lot Depth
114.10 ft
Lot Shape
Rectangular

Inclusions

Inclusions
Hood Vent, Smoke & Carbon Monoxide Detectors, Bathroom Mirrors, Garage Door Opener & Remote.

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
Other
Water
Municipal
Sewers
Sewer
Natural Gas
Yes
Hydro
Yes

Bedrooms
3
Washrooms
3
Kitchens
1

Room sizes

  • Dining Room—
    Main level
  • Kitchen—
    Main level
  • Great Room—
    Main level
  • Primary Bedroom—
    Second level
  • Bedroom 2—
    Second level
  • Bedroom 3—
    Second level

Washrooms

  • 2-piece, Main
  • 4-piece, Second
  • 3-piece, Second

Municipality
St. Thomas
Neighbourhood
St. Thomas
Main cross streets
Elm Street, Renaissance Drive
Directions
From Elm Street, turn onto Renaissance Drive, then turn left onto Harrow Lane.
Waterfront
None

MLS® number
X13583214
Data source
Toronto Regional Real Estate Board
Listed on
2026-07-20
Updated on
2026-10-14
Days on market
88 days
Possession type
Immediate
Co-op commission
2%
Seller
Listed by
ROYAL LEPAGE TRILAND REALTY

Home Market Value

Current home valuation for 45 Harrow Lane, St. Thomas, St. Thomas, ON. Listed for $542,300

HOMEH Estimate

?

$554,226

Estimated Sales Range

?

$487,719 - $620,733

HOMEH Estimate for 45 Harrow Lane, St. Thomas

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

$554,226High confidence
Based on 13 comparable properties
− $11,926 (2%) below our estimate — Good deal!
See the full analysisFree Every recent nearby sale behind this number

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Approximate location — on this street
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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Thomas, ON
Minimum Down Payment Required:5.4%

5% on first $500K + 10% on $42,300 over $500K

Minimum down payment

$29,230

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$20,521$15,130$12,907$0
=Total mortgage
$533,537$503,200$473,862$433,840
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$2,605monthly$2,457monthly$2,314monthly$2,118monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$7,321

Total Land Transfer Tax

$7,321

Around this home

2/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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