$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
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
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
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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $115,055
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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