Sold for:Sold Mar 17, 2026
$599,900

95 Elgin Street

St. Thomas, ON N5R 3M5

Multiplex SoldNot available

Property not available for sale or for rent.

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Sale & Price History for 95 Elgin Street, St. Thomas

2026-02-20
2026-03-17
Sold
Price
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MLS#
x12806106

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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 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

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St. Thomas, ON
Minimum Down Payment Required:5.8%

5% on first $500K + 10% on $99,900 over $500K

Minimum down payment

$34,990

Scenario 1 Scenario 2 Scenario 3 Scenario 4
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=Total mortgage
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Payment frequency
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$2,866monthly$2,718monthly$2,559monthly$2,343monthly
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Land Transfer Tax

Provincial

$8,473

Total Land Transfer Tax

$8,473

Around this home

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