Gurvinder Nokwal REALTOR®
For Sale Condo Apartment 93 days on market

$539,000 ↓ $20,000 from $559,000

Est. payment $2,387/moCalculate yours

125 Elm Street 3, St. Thomas, ON N5R 1H9

St. Thomas, St. Thomas, ON N5R 1H9

  • 2 Beds
  • 2 Baths
  • 1 Garage
  • 1,400 Sq Ft
Map

Listing courtesy of PRIME REAL ESTATE BROKERAGE MLS® X13576352

About this home

Welcome to Pinafore Terrace, one of St. Thomas’ most coveted waterfront condominium communities. Wake up overlooking beautiful Pinafore Lake and spend your evenings relaxing on your private balcony as the sun reflects across the water. Nestled beside picturesque Pinafore Park, this exceptional residence offers a peaceful lifestyle surrounded by nature while remaining just minutes from everyday amenities. Meticulously maintained and move-in ready, this spacious suite offers approximately 1,500 sq. ft. of thoughtfully designed living space. The generous floor plan features two spacious bedrooms, two full bathrooms, a versatile den ideal for a home office or reading room, and expansive principal rooms that provide the comfort and functionality of a bungalow with the convenience of condominium living. The oversized living room is the heart of the home, where large windows and sliding doors frame breathtaking views of Pinafore Lake and fill the space with natural light. Whether you’re enjoying your morning coffee on the balcony, watching the changing seasons across the park, or entertaining family and friends, the spectacular setting creates a backdrop you’ll never tire of. With only 12 residences, Pinafore Terrace offers a level of privacy, tranquility, and community rarely found in condominium living. Owners take exceptional pride in the building, creating a warm and welcoming environment complemented by secure entry, elevator access, underground parking, visitor parking, storage, and thoughtfully maintained common spaces. If you’ve been searching for a home where nature, comfort, and community come together, this is a rare opportunity to enjoy carefree waterfront living in one of St. Thomas’ most desirable locations.

Property details

Overview

Property Type
Condo Apartment
Style
1 Storey/Apt
For
For Sale
Status
Price Change
Approximate Age
31-50
Size
1,400 sqft

Interior

Bedrooms
2
Bathrooms
2
Kitchens
1
Basement
None

Building & Systems

Heating
Forced Air (Electric)
Cooling
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Unknown

Lot & Parking

Parking
Underground garage · 1 total
Zoning
R5-12

Financial

Property Taxes
$3,227 (2026)
Condo Fee
$350/mo
Fee Includes
None
Pets
Yes-with Restrictions

Location

Neighbourhood
St. Thomas
Cross Street
Elm & Sunset

Listing

MLS® Number
X13576352
Days on Market
93
Listed On
2026-07-17
Possession
Flexible
Listed By
PRIME REAL ESTATE BROKERAGE

Rooms

Room Level Dimensions
Dining Room Main 11′ 8″ × 8′ 10″
Primary Bedroom Main 15′ 2″ × 11′ 6″
Bedroom Main 13′ 2″ × 11′ 11″
Living Room Main 29′ 2″ × 14′ 1″
Den Main 9′ 1″ × 10′ 0″
Kitchen Main 10′ 10″ × 8′ 10″

Features

Interior

  • Storage
  • Storage Area Lockers

Property

  • Park
  • Waterfront

Amenities

  • Elevator
  • Party Room/Meeting Room
Included
Fridge, stove, dishwasher, microwave, washer, dryer
Rental items
RESERVE FUND FEE OF $3400 DUE EVERY SEPTEMBER

Mortgage calculator

Minimum for this price: $28,900 (5.36%)

Amortization, years

Estimated mortgage payment

$2,387 per month

Principal and interest
$2,387
Property tax
$269
Condo fees
$350
Estimated monthly cost
$3,005

Your mortgage

Mortgage amount
$431,200
Mortgage insurance
Not needed
Interest over 25 years
$284,773

Cash to close

Down payment
$107,800
Land transfer tax
$7,255
Total, before legal fees
$115,055
Talk to me about financing

Estimates 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

125 Elm Street 3, St. Thomas, ON N5R 1H9 St. Thomas, St. Thomas, ON N5R 1H9
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Listing data is provided under license and deemed reliable but not guaranteed. MLS®, Multiple Listing Service® and associated logos are trademarks of The Canadian Real Estate Association (CREA).

$539,000 125 Elm Street 3, St. Thomas, ON N5R 1H9
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