
99 Elgin Street
St. Thomas, ON N5R 3M5
- 3Bedrooms
- 2Bathrooms
- 1Garage
- 1100–1500Sq Ft
- $3,344Tax
- 50×111 ftLot Size
- Estimated Value:$475,943See Free Estimate Report

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About 99 Elgin Street, St. Thomas
This amazing bungalow situated near St. Thomas' historic Courthouse district is perfectly outfitted with modern updates & a designer feel. This completely renovated home has a well designed open concept floorplan, upgraded finishes & high ceilings in the main living area. Complete with 3 bedrooms & 2 bathrooms (one bedroom is currently being used as an office/den). The primary suite includes a large walk-in closet, trayed ceiling and an ensuite with glass shower and hexagon tiled floor. Walking through the large hallway complete with arched doorways, you will find a second bedroom & another main floor bathroom with tiled shower/bath-tub. The modern kitchen features a large island, stainless steel appliances and a walk-in pantry. Lots of light fills the main space from the front bay window. Your living/dining area is made extra warm & stylish by the sleek electric fireplace. The hallway is spacious and could easily be converted to additional living space. At the rear of the main floor is the ample laundry/mudroom area with separate entrance off the rear deck. You will also find the 3rd bedroom at the rear of the home, offering privacy for a home office or retreat. The basement is unfinished but provides lots of storage space. The pool-sized rear yard is completely fenced with a deck for entertaining or enjoying a peaceful morning coffee. The home features a wrap around veranda for additional entertaining space & summer socials. A sizeable side yard gives you possible options for a larger driveway, a garage or a shed. Home overlooks a lovely greenspace and is minutes away from the Whistlestop Trail, quick drive to the Elevated park and a short walk downtown. New gravel turnaround driveway completed Summer 2025. Wonderful starter home or excellent option for downsizers or professionals. Book your private showing today!
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,344
- Land Transfer Tax Fee
- $7,673
Rental Items
- Rental Equipment
- Hot Water Heater
- Basement Type
- Unfinished
Interior Features
- Laundry Level
- Main Level
- Interior Extras
- Carpet Free, Floor Drain, Primary Bedroom - Main Floor, Water Heater
- View
- Park/Greenbelt
- Fireplace/Stove
- Yes
- Fireplace Features
- Family Room, Electric
- Elevator
- No
Exterior Features
- Exterior Extras
- Deck, Landscaped, Porch
- Pool
- None
- Property Features
- Fenced Yard, Greenbelt/Conservation, School, Wooded/Treed
Building
- Building Type
- Detached
- Building Style
- Bungalow
- Approx Age
- 100+
Construction
- Exterior Finish
- Vinyl Siding, Wood
- Roof
- Shingles
- Foundation Details
- Concrete Block
- Special Designation
- Unknown
Lot
- Lot Front
- 50.00 ft
- Lot Depth
- 111.00 ft
- Lot Shape
- Irregular
Inclusions
- Inclusions
- Fridge, Stove, Dishwasher, Washer & Dryer
Parking & Garages
- Garage Type
- None
- Garage Spaces
- 1
- Parking Spaces
- 4
- Total Garage And Parking Spaces
- 5
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
- Washrooms
- 2
- Kitchens
- 1
- Family / bonus room
- Yes
Room sizes
- Living Room—Main level
- Dining Room—Main level
- Kitchen—Main level
- Other—Main level
- Primary Bedroom—Main level
- Bathroom—Main level, 3 Pc Bath
- Bedroom 2—Main level
- Bedroom 3—Main level
- Laundry—Main level
Washrooms
- 3-piece, Main
- 4-piece, Main
- Municipality
- St. Thomas
- Neighbourhood
- St. Thomas
- Main cross streets
- Wellington & Elgin
- Zoning
- Residential
- Directions
- Heading West from Wellington St toward First Ave, ,turn left on Elgin St.
- MLS® number
- X12315023
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2025-08-26
- Listed on
- 2025-07-29
- Days on market
- 28 days
- Possession type
- Flexible
- Co-op commission
- 2%+HST
- Seller
- Listed by
- REVEL REALTY INC.
Home Market Value
Current home valuation for 99 Elgin Street, St. Thomas, St. Thomas, ON. Listed for $559,900
HOMEH Estimate
$475,943
Estimated Sales Range
$375,995 - $575,891
HOMEH Estimate for 99 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 $59,900 over $500K
$30,990
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $21,142 | $15,621 | $13,326 | $0 |
=Total mortgage | $549,688 | $519,531 | $489,241 | $447,920 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,684monthly | $2,537monthly | $2,389monthly | $2,187monthly |
Land Transfer Tax
$7,673
$7,673
Around this home
Data provided by OpenStreetMap & Fraser Institute School Rankings
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