Gurvinder Nokwal REALTOR®
For Sale Detached 40 days on market

$495,000

Est. payment $2,192/moCalculate yours

20 VICTORIA Street, St. Thomas, ON N5R 2E5

St. Thomas, St. Thomas, ON N5R 2E5

  • 4 Beds
  • 2 Baths
  • 1,100 Sq Ft
Map

Listing courtesy of REMAX YOUR COMMUNITY REALTY MLS® X13753826

About this home

Come home to 20 Victoria St in St. Thomas, a beautifully updated two-storey yellow brick home nestled in the sought-after Courthouse neighbourhood. The second floor offers four spacious bedrooms, a full 4-piece bathroom, and access to a versatile loft space-perfect for a playroom, home office, or potential additional bedroom (just needs stairs).The main level features a welcoming foyer, bright and spacious principal rooms, an updated kitchen, dining area, and a walk-in pantry that could also be converted into a convenient laundry space, with direct access to a private back deck.The finished lower level includes a recreation room, laundry closet, 3-piece bathroom, and additional storage. The home is equipped with in-floor heating throughout and a ductless system on the second floor for both heating and cooling, updated AC unit. Added sound insulation between levels enhances comfort and privacy.Offering generous space for families or couples alike, this home also includes street parking with two neighbourhood passes (winter permits available separately), meaning no driveway maintenance.The Courthouse neighbourhood is one of St. Thomas’ most charming and sought-after pockets, known for its mature tree-lined streets, historic homes, and strong sense of community. Centered around the iconic Elgin County Courthouse, the area offers a unique blend of character, walkability, and everyday convenience. With close proximity to parks, schools, and local amenities, it’s a neighbourhood that combines timeless appeal with a truly livable lifestyle.

Property details

Overview

Property Type
Detached
Style
2-Storey
For
For Sale
Status
New
Approximate Age
51-99
Size
1,100 sqft

Interior

Bedrooms
4
Bathrooms
2
Kitchens
1
Total Rooms
13
Basement
Full, Finished

Building & Systems

Heating
Radiant (Ground Source)
Cooling
None
Exterior
Wood , Brick
Foundation
Block
Roof
Asphalt Shingle
Water
Municipal
Sewer
Sewer

Lot & Parking

Lot Size
29 x 66 Feet
Parking
None garage
Zoning
R3

Financial

Property Taxes
$2,936 (2026)

Location

Neighbourhood
St. Thomas
Cross Street
Stanley st& Victoria
Direction Faces
South

Listing

MLS® Number
X13753826
Days on Market
40
Listed On
2026-09-08
Listed By
REMAX YOUR COMMUNITY REALTY

Rooms

Room Level Dimensions
Primary Bedroom Second 12′ 11″ × 11′ 2″
Dining Room Main 9′ 4″ × 11′ 11″
Recreation Basement 19′ 0″ × 19′ 11″
Utility Room Basement 2′ 9″ × 5′ 5″
Other Basement 11′ 6″ × 13′ 9″
Living Room Main 14′ 10″ × 22′ 11″
Kitchen Main 10′ 4″ × 11′ 11″
Bedroom Second 7′ 0″ × 9′ 1″
Loft Third 7′ 0″ × 34′ 5″
Bedroom Second 10′ 6″ × 10′ 2″
Bedroom Second 10′ 5″ × 13′ 1″

Features

Interior

  • Separate Heating Controls
  • Water Meter
  • Upgraded Insulation
  • Water Heater
  • Sump Pump

Pool

  • None

Mortgage calculator

Minimum for this price: $24,750 (5%)

Amortization, years

Estimated mortgage payment

$2,192 per month

Principal and interest
$2,192
Property tax
$245
Estimated monthly cost
$2,436

Your mortgage

Mortgage amount
$396,000
Mortgage insurance
Not needed
Interest over 25 years
$261,526

Cash to close

Down payment
$99,000
Land transfer tax
$6,375
Total, before legal fees
$105,375
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

20 VICTORIA Street, St. Thomas, ON N5R 2E5 St. Thomas, St. Thomas, ON N5R 2E5
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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).

$495,000 20 VICTORIA Street, St. Thomas, ON N5R 2E5
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