$399,900
Est. payment $1,771/moCalculate yours
22 Hemlock Street, St. Thomas, ON N5R 1X6
St. Thomas, St. Thomas, ON N5R 1X6
- 3 Beds
- 1 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of ROYAL LEPAGE TRILAND REALTY MLS® X13879764
About this home
This charming 3-bedroom, 1-bath, 1-car garage century home on a quiet tree-lined street awaits a new owner. Other than a possible buyer preference for new flooring, this home is in move-in-ready condition. Features include a metal roof, an updated main bath (2024), a new fridge and stove (2026), newer upper-level bedroom windows, a fully waterproofed basement with a transferable warranty (2023), a 4-season addition at the rear, a hi-eff gas furnace, 100 amp service w/circuit breaker, and the fenced rear yard has a raised wooden deck. The basement, which was previously finished with a 3-pc bathroom, is high and dry with potential as an in-law suite, and has a handy outside entrance on the east side. The 1-car garage, also with a metal roof, is dry with a concrete floor and could be converted into a workshop space. This is an ideal home for a young growing family - come see the potential for yourself.
Property details
Overview
- Property Type
- Detached
- Style
- 2-Storey
- For
- For Sale
- Status
- New
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3
- Bathrooms
- 1
- Kitchens
- 1
- Basement
- Full, Unfinished
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Metal
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 40 x 120 Feet
- Parking
- Detached garage · 4 total
Financial
- Property Taxes
- $2,841 (2025)
Location
- Neighbourhood
- St. Thomas
- Cross Street
- Ross
- Direction Faces
- North
Listing
- MLS® Number
- X13879764
- Days on Market
- 10
- Listed On
- 2026-10-08
- Possession
- Flexible
- Listed By
- ROYAL LEPAGE TRILAND REALTY
Rooms
Features
Interior
- Sump Pump
- Water Heater
Pool
- None
- Included
- fridge,stove, dishwasher, blinds
- Excluded
- none
- Rental items
- gas water heater
Mortgage calculator
Estimated mortgage payment
$1,771 per month
- Principal and interest
- $1,771
- Property tax
- $237
- Condo fees
- $0
- Estimated monthly cost
- $2,007
Your mortgage
- Mortgage amount
- $319,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $211,281
Cash to close
- Down payment
- $79,980
- Land transfer tax
- $4,474
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $84,454
With less than 20% down, a 30-year amortization is available to first-time buyers and buyers of newly built homes.
Talk to me about financingEstimates only, not a mortgage offer or financial advice. Uses the Canadian fixed-rate convention (interest compounded twice a year), 2026 mortgage insurance premiums and Ontario land transfer tax. Your lender will confirm your actual rate and payment.
Location
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