Gurvinder Nokwal REALTOR®
For Sale Detached 31 days on market

$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
Map

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

Room Level Dimensions
Living Room Basement 8′ 0″ × 10′ 5″
Bedroom Ground 11′ 11″ × 12′ 0″
Kitchen Basement 12′ 7″ × 12′ 9″
Bedroom 2 Ground 12′ 2″ × 7′ 11″
Bedroom 3 Ground 8′ 10″ × 9′ 1″
Bedroom Basement 10′ 8″ × 11′ 4″
Kitchen Ground 11′ 2″ × 9′ 0″
Bedroom 3 Basement 8′ 3″ × 8′ 9″
Bedroom 2 Basement 7′ 11″ × 11′ 11″
Living Room Ground 23′ 8″ × 17′ 5″

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

Minimum for this price: $33,500 (5.73%)

Amortization, years

Estimated mortgage payment

$2,590 per month

Principal and interest
$2,590
Property tax
$257
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
Total, before legal fees
$125,175
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

22 Montgomery Road, St. Thomas, ON N5R 1S5 St. Thomas, St. Thomas, ON N5R 1S5
Open in Google Maps

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).

$584,999 22 Montgomery Road, St. Thomas, ON N5R 1S5
Request a showing