
95 Elgin Street
St. Thomas, ON N5R 3M5
- 2+2Bedrooms
- 2Bathrooms
- 4Parking
- 1500–2000Sq Ft
- $3,255Tax
- 93×104 ftLot Size
- Free EstimateSee Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 95 Elgin Street, St. Thomas
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-02-20 | 2026-03-17 | Login to See Prices | Sold | x12806106 |
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About 95 Elgin Street, St. Thomas
Summarized Description
- Turn-key asset with high-end finishes throughout.
- Major renovation completed in 2023.
- Four bedrooms split between upper and lower units.
- Designer bathroom features extra-deep tub and rain shower.
- Three separate entrances enhance rental potential.
- Located in desirable Courthouse District.
- Bright interiors with forest and valley views.
- Potential to add a third unit for investors.
Welcome to 95 Elgin Street, a premier investment opportunity in the highly desirable Courthouse District of St.Thomas. This home is situated on a 92 by 104 foot corner lot on a street known for its historic appeal. A major renovation in 2023 transformed the property into a turn-key asset with high-end finishes throughout. The home features four bedrooms, with two bedrooms in the upper unit and two in the lower unit. The upper suite was remodelled with quartz countertops, stainless steel appliances, and luxury vinyl plank flooring. It also includes a designer bathroom with an extra-deep tub and rain shower. Both units are freshly painted and offer bright interiors with forest and valley views. The location is excellent for families or professionals, being steps from V.A. Barrie Park, the public library, and local shops. For investors, this property provides unique value through its upside to add a third unit. The home already features three separate entrances and a full basement with updated drainage from 2023. Maintenance is simplified by completely separate utilities, including independent meters for hydro, gas, and water.There are also separate electrical panels, water heaters, and central air units. This property features turn-key luxury and offers significant future potential in a top tier location.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,255
- Land Transfer Tax Fee
- $8,473
Rental Items
- Rental Equipment
- None
- Basement Type
- Separate Entrance, Unfinished
Interior Features
- Interior Extras
- Separate Heating Controls, Separate Hydro Meter, Water Heater Owned
- Fireplace/Stove
- No
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Multiplex
- Building Style
- 2-Storey
Construction
- Exterior Finish
- Vinyl Siding
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 92.92 ft
- Lot Depth
- 103.59 ft
Inclusions
- Inclusions
- Washer x2, Dryer x2, Fridge x2, Stove x2, Dishwasher x2
Exclusions
- Exclusions
- All tenant belongings
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 4
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Electric
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 2 + 2
- Washrooms
- 2
- Kitchens
- 2
- Family / bonus room
- Yes
Room sizes
- Bedroom—Main level
- Bedroom—Main level
- Bathroom—Main level
- Dining Room—Main level
- Living Room—Main level
- Kitchen—Main level
- Bathroom—Upper level
- Bedroom—Upper level
- Bedroom—Upper level
- Kitchen—Upper level
- Family Room—Upper level
Washrooms
- 4-piece, Main
- 4-piece, Upper
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Elgin St and Rosebery Place
- Directions
- Elgin St and Rosebery Place
- MLS® number
- X12806106
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-03-17
- Listed on
- 2026-02-20
- Days on market
- 25 days
- Possession date
- 2026-05-01
- Possession type
- Flexible
- Co-op commission
- 2% plus hst
- Seller
- Listed by
- PRIME REAL ESTATE BROKERAGE
Home Market Value
Current home valuation for 95 Elgin Street, St. Thomas, St. Thomas, ON. Listed for $599,900
HOMEH Estimate
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Estimated Sales Range
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HOMEH Estimate for 95 Elgin Street, St. Thomas
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% on first $500K + 10% on $99,900 over $500K
$34,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $22,580 | $16,737 | $14,278 | $0 |
=Total mortgage | $587,086 | $556,647 | $524,193 | $479,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,866monthly | $2,718monthly | $2,559monthly | $2,343monthly |
Land Transfer Tax
$8,473
$8,473
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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