
531 Elm Street
St. Thomas, ON N5R 1K6
- 3+1Bedrooms
- 2Bathrooms
- 2Garage
- 1500–2000Sq Ft
- $3,694Tax
- 70×180 ftLot Size
- Estimated Value:$575,078See Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 531 Elm Street, St. Thomas
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About 531 Elm Street, St. Thomas
Welcome to Your Dream Home in the Desirable Mitchell Hepburn School District! This exceptional 5-level side split offers the perfect blend of space, function, and privacy ideal for growing or multi-generational families. Nestled on a mature, tree-lined 60 x179-foot lot, this home boasts a rare combination of natural seclusion and urban convenience. With a double garage and parking for up to 8 vehicles, there's room for everyone and everything. Step through the convenient mudroom into a warm and inviting main level. Here, you'll find a cozy living room featuring a gas fireplace, built-in shelving, a closet with laundry hookups, and patio doors leading to a private backyard oasis perfect for outdoor entertaining or peaceful mornings. Just a few steps up is a stunning chefs kitchen, newly installed in 2023. This entertainers dream features a large island with stone countertops, a wet bar, bar fridge, and sweeping views from both the front and back of the home. The adjoining dining space comfortably accommodates the whole family, making it a central hub for gatherings. On the third level, you'll find three spacious bedrooms, including a primary suite with direct access to a beautifully updated 4-piece cheater ensuite. The lower level is equally impressive, with a large family room that offers a walk-up to the backyard, water hookups ready for a kitchenette, a generous fourth bedroom, and a 3-piece bathroom making it an ideal layout for an in-law suite or mortgage helper. The basement level offers ample storage with built-in shelving and a designated laundry area, ensuring everything has its place. The fully fenced in back yard is an amazing space for the kids and pets to play. There's a covered deck, stunning landscaping and 2 sheds and ample green space. Whether you're looking to generate rental income, accommodate extended family, or simply enjoy a spacious, updated retreat, this property delivers on all fronts. Don't miss your chance to make it yours!
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,694
- Land Transfer Tax Fee
- $9,673
Rental Items
- Rental Equipment
- Hot water tank
- Basement Type
- Finished with Walk-Out, Separate Entrance
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Auto Garage Door Remote, In-Law Capability
- Fireplace/Stove
- Yes
- Fireplace Features
- Living Room, Natural Gas
- Elevator
- No
Exterior Features
- Exterior Extras
- Awnings, Landscaped
- Pool
- None
- Property Features
- Fenced Yard, Hospital, Place Of Worship
- Other Structures
- Fence - Full, Garden Shed
Building
- Building Type
- Detached
- Building Style
- Sidesplit 5
- Approx Age
- 31-50
Construction
- Exterior Finish
- Brick, Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 69.65 ft
- Lot Depth
- 179.98 ft
Inclusions
- Inclusions
- Existing Fridge, stove, dishwasher, bar fridge, washer, dryer, shelving in basement
Parking & Garages
- Garage Type
- Attached
- Garage Spaces
- 2
- Parking Spaces
- 6
- Total Garage And Parking Spaces
- 8
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 3 + 1
- Washrooms
- 2
- Kitchens
- 1
Room sizes
- Living Room—Main level, Fireplace, B/I Shelves
- Kitchen—Second level, Stone Counters, Wet Bar
- Dining Room—Second level, Hardwood Floor
- Primary Bedroom—Third level
- Bedroom 2—Third level
- Bedroom 3—Third level
- Bathroom—Third level, 4 Pc Bath
- Family Room—Lower level, W/O To Yard
- Bedroom 4—Lower level
- Bathroom—Lower level, 3 Pc Bath
- Laundry—Basement level
Washrooms
- 4-piece, Second
- 3-piece, Lower
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Fairview
- Directions
- From Elm street turn East on Elm
- MLS® number
- X12272473
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2025-08-01
- Listed on
- 2025-07-09
- Days on market
- 23 days
- Possession type
- Flexible
- Co-op commission
- 2%
- Seller
- Listed by
- STREETCITY REALTY INC.
Home Market Value
Current home valuation for 531 Elm Street, St. Thomas, St. Thomas, ON. Listed for $659,900
HOMEH Estimate
$575,078
Estimated Sales Range
$454,312 - $695,844
HOMEH Estimate for 531 Elm 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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