$584,999
Est. payment $2,590/moCalculate yours
22 Montgomery Road, St. Thomas, ON N5R 1S5
St. Thomas, St. Thomas, ON N5R 1S5
- 3 + 3 Beds
- 2 Baths
- 1 Garage
- 1,100 Sq Ft
Listing courtesy of RE/MAX MILLENNIUM REAL ESTATE MLS® X13799106
About this home
**LEGAL BASEMENT** Welcome to 22 Montgomery Rd, St. Thomas, an exceptional opportunity for homeowners and investors alike! This versatile property features a bright and spacious 3-bedroom, 1-bathroom main floor with an open-concept kitchen showcasing impressive vaulted ceilings, creating an inviting space for everyday living and entertaining. The fully legal basement apartment offers an additional 3 bedrooms, 1 bathroom, a full kitchen, and a generous living area, making it ideal for multi-generational living or generating rental income to help offset your mortgage. Whether you’re looking to live in one unit and rent the other or expand your investment portfolio, this property delivers outstanding flexibility and value. Conveniently located close to schools, parks, shopping, restaurants, grocery stores, and all everyday amenities, with easy access to London and Highway 401, this home is perfectly situated in one of Southwestern Ontario’s fastest-growing communities. Don’t miss your chance to own this legal duplex offering incredible income potential and long-term value.
Property details
Overview
- Property Type
- Detached
- Style
- Bungalow
- For
- For Sale
- Status
- New
- Size
- 1,100 sqft
Interior
- Bedrooms
- 3 + 3
- Bathrooms
- 2
- Kitchens
- 2
- Basement
- Finished with Walk-Out
Building & Systems
- Heating
- Forced Air (Gas)
- Cooling
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Water
- Municipal
- Sewer
- Sewer
Lot & Parking
- Lot Size
- 70 x 125 Feet
- Parking
- Attached garage · 5 total
Financial
- Property Taxes
- $3,082 (2025)
Location
- Neighbourhood
- St. Thomas
- Cross Street
- Elm St. / First Ave
- Direction Faces
- South
Listing
- MLS® Number
- X13799106
- Days on Market
- 31
- Listed On
- 2026-09-17
- Possession
- Flexible
- Listed By
- RE/MAX MILLENNIUM REAL ESTATE
Rooms
Features
Interior
- Carpet Free
- Primary Bedroom - Main Floor
- Water Meter
Property
- Hospital
- Park
- School
- Ravine
- Rec./Commun.Centre
- Wooded/Treed
Pool
- None
- Included
- Stainless Steel Appliances (2 x Fridge, 2 x Stove, Dishwasher) 2 x Washer, 2 x Dryer, AirConditioner
- Rental items
- Hot Water Tank
Mortgage calculator
Estimated mortgage payment
$2,590 per month
- Principal and interest
- $2,590
- Property tax
- $257
- Condo fees
- $0
- Estimated monthly cost
- $2,847
Your mortgage
- Mortgage amount
- $467,999
- Mortgage insurance
- Not needed
- Interest over 25 years
- $309,075
Cash to close
- Down payment
- $117,000
- Land transfer tax
- $8,175
- First-time buyer refund
- $0
- Sales tax on insurance (8%)
- $0
- Total, before legal fees
- $125,175
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
This photo could not be loaded.