
97 Elgin Street
St. Thomas, ON N5R 3M5
- 2Bedrooms
- 3Bathrooms
- 0Garage
- 2000–2500Sq Ft
- $3,513Tax
- 45×100 ftLot Size
- Estimated Value:$470,000See Free Estimate Report

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Free Home EvaluationHow Much Is My Home Worth?Homes for Sale NearbySale & Price History for 97 Elgin Street, St. Thomas
| Start Date | End Date | Price | Event | MLS# |
|---|---|---|---|---|
| 2026-08-11 | 2026-09-08 | Login to See Prices | Sold | x13664304 |
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About 97 Elgin Street, St. Thomas
Summarized Description
- Versatile home in sought after Court House district
- Two distinct living areas for multigenerational living
- Renovated kitchen and bathrooms enhance appeal
- Over 2400 square feet of generous living space
- Natural light floods through large windows
- Powered shed offers additional storage or recreational space
- Low maintenance property with fenced yard
- Walkable access to shopping, schools, and parks
97 Elgin Street in St. Thomas is a versatile home in the sought after Court House district. It offers 2 bedrooms and 3 bathrooms over two distinct living areas. The First has hardwood flooring, high ceilings and a spacious layout with plenty of large windows. It also has a full master suite, renovated ensuite bath (2020) and lower level laundry. The Second is an upper accommodation with in-suite laundry, renovated kitchen, and a second floor deck you are going to love to spend time entertaining on. The 3rd floor offers a huge space for all of your bedroom furniture. This unique property offers over 2400 square feet of generous living space, plenty of natural light and a flexible layout that can accommodate a variety of lifestyles. The two distinct living areas create an intriguing opportunity for extended family or multigenerational living, allowing everyone to enjoy their own space under one roof (shingle roof replaced in 2020). Buyers looking for additional possibilities may also wish to investigate the property's potential for legal two-unit configuration. This could mean a financially meaningful mortgage hack for the owner. The property also includes a powered and insulated shed, providing convenient additional storage or a man cave/ she shed to hang out in. The property is low maintenance and fully fenced. With 2 bedrooms, 3 bathrooms and flexible living spaces throughout, this home provides plenty of opportunity to make the layout your own. Walkable location for convenient access to shopping, schools, parks, restaurants and everyday amenities. 97 Elgin Street combines space, versatility and future potential. Whether you're searching for a unique family home, a multigenerational setup or a property that can adapt to your needs, this is one worth exploring.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,513
- Land Transfer Tax Fee
- $6,975
Rental Items
- Rental Equipment
- Water Heater, $31 a month
- Basement Type
- Unfinished
Interior Features
- Interior Extras
- Primary Bedroom - Main Floor
- Fireplace/Stove
- Yes
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Detached
- Building Style
- 2 1/2 Storey
Construction
- Exterior Finish
- Brick
- Roof
- Asphalt Shingle
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 45.00 ft
- Lot Depth
- 100.00 ft
Inclusions
- Inclusions
- Fridge, Stove, Washer, Dryer, Dishwasher
Exclusions
- Exclusions
- Downstairs Freezer
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 0
- Parking Spaces
- 3
- Total Garage And Parking Spaces
- 3
Heating & Cooling
- Heat Source
- Gas
- Heat Type
- Forced Air
- Air Conditioning
- Central Air
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 2
- Washrooms
- 3
- Kitchens
- 2
- Family / bonus room
- Yes
Room sizes
- Family Room—Second level
- Kitchen—Second level
- Breakfast—Second level
- Bedroom—Ground level
- Living Room—Ground level
- Bathroom—Second level
- Kitchen—Ground level
- Room—Basement level
- Bathroom—Ground level
- Dining Room—Ground level
- Sunroom—Ground level
- Bedroom—Third level
- Foyer—Ground level
- Bathroom—Ground level
Washrooms
- 3-piece, Ground
- 3-piece, Second
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Wellington Street & Elgin Street
- Directions
- Wellington Street to Elgin Street, south on Elgin Street to 97 Elgin Street.
- MLS® number
- X13664304
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-09-08
- Listed on
- 2026-08-11
- Days on market
- 28 days
- Possession type
- Flexible
- Co-op commission
- 2
- Seller
- Listed by
- Call It Closed International Brokerage
Home Market Value
Current home valuation for 97 Elgin Street, St. Thomas, St. Thomas, ON. Listed for $525,000
HOMEH Estimate
$470,000
Estimated Sales Range
$371,300 - $568,700
HOMEH Estimate for 97 Elgin 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 $25,000 over $500K
$27,500
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $19,887 | $14,648 | $12,495 | $0 |
=Total mortgage | $517,062 | $487,148 | $458,745 | $420,000 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,525monthly | $2,378monthly | $2,240monthly | $2,051monthly |
Land Transfer Tax
$6,975
$6,975
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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