95 Elgin Street, St. Thomas, ON

$599,900
MLS#:X12806106
4 beds
2 baths
1500-2000 sqft
4.0 parking
Residential Freehold
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Description

Property Highlights

Welcome to this remarkable ["2-Storey"] duplex located in the coveted neighborhood of St. Thomas. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $599,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 4 Bedrooms and 2 Bathrooms with 2 functional kitchens
  • Generous living space spanning 1500-2000 sqft on a premium 92.92 x 103.59 ft lot
  • Features a ["separate entrance", "unfinished"] basement, adding superb versatility for recreation, a home gym, or extra storage
  • 4.0 total parking spaces available
  • Notable attributes: Separate Heating Controls, Separate Hydro Meter, Water Heater Owned
  • equipped with ["central air"] central cooling and highly efficient forced air heating via electric

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.

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Key Features

Bedrooms
4
Bathrooms
2
Kitchens
2
Living Area
1500-2000 sqft
Property Type
Residential Freehold

Additional Details

StatusSold
Sold DateMarch 17, 2026
Sold price information is available to members only
Listed Date2/20/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeDuplex
ConstructionVinyl Siding
Lot Size92.92 × 103.59 Feet
CountyElgin
Annual Tax$3,255
Legal DescriptionPT LT 1 E/S ELGIN ST BTN ELIZA ST AND A SMALL CREEK PL 23 ST. THOMAS; PT LT 2 E/S ELGIN ST BTN ELIZA ST AND A SMALL CREEK PL 23 ST. THOMAS AS IN E285844; S/T & T/W E285844; ST. THOMAS

Parking & Garage

Parking Spaces4.0
Garage Spaces4
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeForced Air
Cooling["Central Air"]

Features

Property Features

Community Features

Location

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95 Elgin Street, St. Thomas, ON
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Property History

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This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 95 Elgin Street, St. Thomas, ON N5R 3M5

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.
Financial Audit

Estimated Costs

Loan Amount$479,920
Monthly Mortgage$2,789
Property Tax (Est.)$271
Utilities & Maint.$350
Total Monthly Cost$3,410

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