Sold for:Sold Aug 26, 2025
$559,900

99 Elgin Street

St. Thomas, ON N5R 3M5

Detached House SoldNot available

Property not available for sale or for rent.

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Sale & Price History for 99 Elgin Street, St. Thomas

2025-07-29
2025-08-26
Sold
Price
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MLS#
x12315023
2025-05-22
2025-07-29
Terminated
Price
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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 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.

$475,943Medium confidence
Based on 14 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:5.5%

5% on first $500K + 10% on $59,900 over $500K

Minimum down payment

$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
Are you a first time home buyer?

Land Transfer Tax

Provincial

$7,673

Total Land Transfer Tax

$7,673

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

Public·secondary·1.1km

4.7 /10

John Wise

Public·elementary·1.8km

6.1 /10

Parkside

Public·secondary·2.0km

3.6 /10

Edward Street

Public·elementary·2.1km

5.6 /10

Central Elgin

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2.2 /10

Forest Park

Public·elementary·2.3km

3.8 /10

Elgin Court

Public·elementary·2.3km

5.6 /10

St. Anne's

Private·elementary·2.4km

5.1 /10

Monsignor Morrison

Private·elementary·2.5km

5.8 /10

Lockes

Public·elementary·2.6km

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