Sold for:Sold Sep 8, 2026
$525,000

97 Elgin Street

St. Thomas, ON N5R 3M5

Detached House SoldNot available
Kim Karimi
Kim Karimi

Real Estate Broker

416-838-3031

Property not available for sale or for rent.

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Sale & Price History for 97 Elgin Street, St. Thomas

2026-08-11
2026-09-08
Sold
Price
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MLS#
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.

$470,000Medium confidence
Based on 8 comparable properties
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Thomas, ON
Minimum Down Payment Required:5.2%

5% on first $500K + 10% on $25,000 over $500K

Minimum down payment

$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
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Land Transfer Tax

Provincial

$6,975

Total Land Transfer Tax

$6,975

Around this home

1/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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2.8 /10

Arthur Voaden

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Monsignor Morrison

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Lockes

Public·elementary·2.6km

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