$454,900
Est. payment $2,014/moCalculate yours
12 Chester Street, St. Thomas, ON N5R 1T8
St. Thomas, St. Thomas, ON N5R 1T8
- 1 Beds
- 3 Baths
- 2,000 Sq Ft
Listing courtesy of RE/MAX CENTRE CITY REALTY INC MLS® X13851930
About this home
Welcome to 12 Chester Street, a rare and inspiring property in the heart of St. Thomas. Originally built in 1890 as a church, this unique structure blends historic charm with the flexibility and space today’s buyers and investors are seeking. Spanning approximately 2,192 square feet on the main and 1700 on 5he lower levels, the building offers nearly 3900 square feet of total living space. The main floor features a large great room with soaring ceilings and abundant natural light, a welcoming foyer, two 2-piece bathrooms, and a spacious office-ideal for remote work or creative use. The lower level is fully equipped for residential living, with a full eat-in kitchen, dining area, living space, primary bathroom, laundry room, and bedroom quarters. It’s a comfortable layout that suits a variety of living or rental scenarios. Zoned R3, this property presents exciting potential for conversion into a triplex. There is also a possibility for the construction of a large garage with an additional dwelling unit above-offering further options for added living space or rental income, and parking for 10 cars. Set on just over half an acre and located close to local amenities, parks, and schools, this property combines historic character with modern opportunity. Whether you’re looking to invest, redevelop, or settle into a truly one-of-a-kind space, 12 Chester Street offers a canvas full of possibility. Explore the potential! This is a property that invites your imagination. Roof replaced 2023
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Approximate Age
- 100+
- Size
- 2,000 sqft
Interior
- Bedrooms
- 1
- Bathrooms
- 3
- Kitchens
- 1
- Basement
- Finished with Walk-Out, Separate Entrance, Walk-Out
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Concrete, Other, Poured Concrete, Wood Frame
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 101.36 x 125.37 Feet
- Parking
- None garage · 10 total
- Zoning
- R3-108
Financial
- Property Taxes
- $1,739 (2025)
Location
- Neighbourhood
- St. Thomas
- Cross Street
- Chester and wilson
- Direction Faces
- South
Listing
- MLS® Number
- X13851930
- Days on Market
- 17
- Listed On
- 2026-10-01
- Listed By
- RE/MAX CENTRE CITY REALTY INC
Rooms
Features
Interior
- Storage
- Water Heater Owned
Property
- Arts Centre
- Hospital
- Level
- Library
- Park
- Place Of Worship
Pool
- None
Mortgage calculator
Estimated mortgage payment
$2,014 per month
- Principal and interest
- $2,014
- Property tax
- $145
- Condo fees
- $0
- Estimated monthly cost
- $2,159
Your mortgage
- Mortgage amount
- $363,920
- Mortgage insurance
- Not needed
- Interest over 25 years
- $240,340
Cash to close
- Down payment
- $90,980
- Land transfer tax
- $5,573
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $96,553
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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