$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
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
Features
Interior
- Separate Heating Controls
- Water Meter
- Upgraded Insulation
- Water Heater
- Sump Pump
Pool
- None
Mortgage calculator
Estimated mortgage payment
$2,192 per month
- Principal and interest
- $2,192
- Property tax
- $245
- Condo fees
- $0
- 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
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $105,375
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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