
631 Elm Street
St. Thomas, ON N5R 1K9
- 3+2Bedrooms
- 2Bathrooms
- 4Garage
- 1100–1500Sq Ft
- $3,668Tax
- 64×119 ftLot Size
- Estimated Value:$575,253See Free Estimate Report

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About 631 Elm Street, St. Thomas
Summarized Description
- Spacious ranch-style home with 5 bedrooms.
- Open-concept main floor with updated kitchen.
- Fully finished lower level with additional bedrooms.
- In-ground pool and hot tub for outdoor enjoyment.
- Conveniently located near schools and amenities.
- Updated bathrooms and modern features throughout.
- Fenced backyard with deck and pergola.
Welcome to 631 Elm Street, located on the desirable south side of St. Thomas. This spacious ranch-style home offers 5 bedrooms (3 on the main level and 2 on the lower level) and 2 full bathrooms, delivering versatile living space ideal for families or multi-generational living. The bright open-concept main floor features a welcoming living room that flows seamlessly into the spacious kitchen, complete with an eat-at island, two built-in ovens, electric cooktop, dishwasher, double sink, updated backsplash, and abundant counter and cabinet space. A patio door off the kitchen provides direct access to the fully fenced backyard, creating easy indoor-outdoor living for everyday enjoyment and entertaining. An updated 5-piece bathroom serves the main level. Just a few steps down from the living area is a generous flex space currently arranged as a front foyer and spacious dining room, offering double door access to the driveway as well as direct access to the backyard - a functional layout that suits family gatherings and busy households alike. The fully finished lower level expands the living space with two additional spacious bedrooms, including one with an updated 4-piece ensuite, a large family room with room for a media area, playroom, or home gym, plus a laundry/storage room and cold cellar. The backyard is designed for relaxation and entertaining, featuring a deck with a pergola, space for outdoor dining and bbq areas, a hot tub (negotiable) a fire pit, garden shed, green space, and an in-ground pool! Notable updates include furnace (2023), attic insulation (2024), and roof shingles (2015). Conveniently located close to everyday amenities and schools, including Mitchell Hepburn Public School, this spacious property offers a fantastic opportunity to settle into a well-established neighbourhood and make it your next home.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,668
- Land Transfer Tax Fee
- $9,273
Rental Items
- Rental Equipment
- Hot water heater - rented from Sandpiper
- Under Contract
- Hot Water Heater
- Basement Type
- Full
Interior Features
- Laundry Level
- Lower Level
- Interior Extras
- Built-In Oven, Storage, Water Heater
- Security Features
- Smoke Detector, Carbon Monoxide Detectors
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Exterior Extras
- Deck
- Pool
- Inground
- Property Features
- Place Of Worship, School, Fenced Yard, Park
- Other Structures
- Fence - Full, Garden Shed
Building
- Building Type
- Detached
- Building Style
- Bungalow-Raised
- Approx Age
- 51-99
Construction
- Exterior Finish
- Brick
- Roof
- Shingles
- Foundation Details
- Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 64.00 ft
- Lot Depth
- 119.00 ft
- Lot Size
- 7567.02
- Lot Shape
- Rectangular
Inclusions
- Inclusions
- Existing refrigerator, dishwasher, two wall ovens, electric cooktop, washer, dryer, the attached floating white shelf in the basement bedroom, the white storage unit in the other basement bedroom, all window coverings, all pool maintenance supplies.
Exclusions
- Exclusions
- Microwave. TV wall mounts. All existing exterior furniture and storage bins. The existing hot tub is negotiable.
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 4
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Natural Gas
- Yes
- Hydro
- Yes
- Cable
- Available
- Telephone
- Available
- Bedrooms
- 3 + 2
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Living Room—Main level
- Kitchen—Main level, W/O To Deck, B/I Oven
- Dining Room—Main level
- Bedroom 2—Main level
- Bedroom 3—Main level
- Bedroom 4—Main level
- Primary Bedroom—Basement level, 4 Pc Ensuite
- Bedroom 5—Basement level, Walk-In Closet(s)
- Family Room—Basement level
Washrooms
- 5-piece, Main
- 4-piece, Basement
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Manor Rd
- Directions
- Fairview Ave - go East onto Elm St. 631 Elm St will be on your right hand side just before Manor Rd
- MLS® number
- X12822400
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-03-25
- Listed on
- 2026-02-26
- Days on market
- 27 days
- Possession type
- Flexible
- Co-op commission
- 2% +HST, minus 25% showing fee if applicable
- Seller
- Listed by
- LPT REALTY
Home Market Value
Current home valuation for 631 Elm Street, St. Thomas, St. Thomas, ON. Listed for $639,900
HOMEH Estimate
$575,253
Estimated Sales Range
$402,677 - $747,829
HOMEH Estimate for 631 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 $139,900 over $500K
$38,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $24,035 | $17,853 | $15,230 | $0 |
=Total mortgage | $624,901 | $593,763 | $559,145 | $511,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $3,051monthly | $2,899monthly | $2,730monthly | $2,499monthly |
Land Transfer Tax
$9,273
$9,273
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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