Gurvinder Nokwal REALTOR®
For Sale Detached 17 days on market

$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
Map

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

Room Level Dimensions
Great Room Main 40′ 1″ × 40′ 8″
Primary Bedroom Basement 18′ 8″ × 25′ 7″
Utility Room Basement 9′ 10″ × 11′ 3″
Kitchen Basement 16′ 2″ × 14′ 8″
Family Room Basement 23′ 1″ × 14′ 7″
Foyer Main 19′ 8″ × 18′ 6″
Bathroom Main 5′ 6″ × 4′ 10″
Office Main 13′ 9″ × 9′ 11″
Bathroom Main 5′ 6″ × 4′ 8″
Bathroom Basement 11′ 5″ × 13′ 4″
Dining Room Basement 16′ 10″ × 14′ 3″
Laundry Basement 15′ 0″ × 15′ 0″

Features

Interior

  • Storage
  • Water Heater Owned

Property

  • Arts Centre
  • Hospital
  • Level
  • Library
  • Park
  • Place Of Worship

Pool

  • None

Mortgage calculator

Minimum for this price: $22,745 (5%)

Amortization, years

Estimated mortgage payment

$2,014 per month

Principal and interest
$2,014
Property tax
$145
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
Total, before legal fees
$96,553
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

12 Chester Street, St. Thomas, ON N5R 1T8 St. Thomas, St. Thomas, ON N5R 1T8
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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).

$454,900 12 Chester Street, St. Thomas, ON N5R 1T8
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