46 Elgin Street
St. Thomas, ON N5R 3M1
- 2+2Bedrooms
- 2Bathrooms
- 4Parking
- 1100–1500Sq Ft
- $2,239Tax
- 26×110 ftLot Size
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About 46 Elgin Street, St. Thomas
Summarized Description
- Duplex with two self-contained 2-bedroom units.
- Each unit has separate entrances and utilities.
- Dedicated parking for both units available.
- Conveniently located near downtown amenities.
- Solid investment potential for rental income.
- Currently occupied on month-to-month leases.
- Includes appliances for both units.
- Access to laundry facilities in each unit.
Located close to downtown St. Thomas and everyday amenities, this up-and-down duplex offers an excellent opportunity for investors or owner-occupiers looking to generate rental income. Featuring two self-contained 2-bedroom units, each with separate entrances, dedicated parking, and access to their own laundry facilities.A standout feature of this property is that each unit is separately metered for hydro, heat, and water, with tenants responsible for their own utilities. Both upper and lower units include a family room, eat-in kitchen, full bathroom, basement storage and laundry. Appliances included are 2 fridges, 2 stoves, 2 washers, and 2 dryers. Both units are currently occupied on a month to month lease. Conveniently situated near shopping, restaurants, schools, and transit. Whether you're looking to expand your investment portfolio or get started in income property ownership, this duplex offers solid potential in a desirable St.Thomas location.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $2,239
- Land Transfer Tax Fee
- $4,099
Rental Items
- Rental Equipment
- (2) Two Hot Water Tanks
- Under Contract
- Hot Water Heater
- Basement Type
- Unfinished, Partial Basement
Interior Features
- Interior Extras
- Primary Bedroom - Main Floor, Separate Heating Controls, Separate Hydro Meter
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
- Property Features
- Hospital, Library, Park, Place Of Worship, Public Transit, Rec./Commun.Centre
Building
- Building Type
- Multiplex
- Building Style
- 2-Storey
- Approx Age
- 100+
Construction
- Exterior Finish
- Aluminum Siding
- Roof
- Shingles
- Foundation Details
- Concrete Block, Stone
- Special Designation
- Unknown
Lot
- Lot Front
- 26.00 ft
- Lot Depth
- 110.00 ft
Inclusions
- Inclusions
- 2 Fridge, 2 Stoves, 2 Washers, 2 Dryers
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 0
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- None
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 2 + 2
- Washrooms
- 2
- Kitchens
- 2
- Family / bonus room
- Yes
Room sizes
- Kitchen—Main level, Eat-in Kitchen
- Family Room—Main level
- Bedroom—Main level
- Bedroom—Main level
- Kitchen—Second level, Eat-in Kitchen
- Living Room—Second level
- Bedroom—Second level
- Bedroom—Second level
Washrooms
- 4-piece, Main
- 4-piece, Second
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- St. Annes Place
- Directions
- From Talbot St turn onto Elgin St
- MLS® number
- X13420090
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-08-10
- Listed on
- 2026-06-09
- Days on market
- 62 days
- Possession date
- 2026-08-31
- Possession type
- Flexible
- Co-op commission
- 2
- Seller
- Listed by
- ELGIN REALTY LIMITED
Home Market Value
Current home valuation for 46 Elgin Street, St. Thomas, St. Thomas, ON. Listed for $374,900
HOMEH Estimate
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Estimated Sales Range
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HOMEH Estimate for 46 Elgin Street, St. Thomas
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$18,745
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $14,246 | $10,460 | $8,923 | $0 |
=Total mortgage | $370,401 | $347,870 | $327,588 | $299,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $1,808monthly | $1,698monthly | $1,599monthly | $1,464monthly |
Land Transfer Tax
$4,099
$4,099
Around this home
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