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Listed 3 months ago

14 Oxford Terrace

St. Thomas, St. Thomas

$789,000

Detached|2-Storey
4 | 4 | 6
About this home

Welcome to this exceptional 4+2 bedroom, 4-bathroom detached home, built by the award-winning Doug Tarry Homes. This beautifully designed Edenbrook Model offers a double-car garage and is situated in one of the most sought-after communities in the southeast corner of St. Thomas, within the highly regarded Mitchell Hepburn School district. this home features a bright open-concept layout with 9-foot ceilings on the main floor, a grand open-to-above foyer, and a spacious family room complete with a cozy fireplace and pot lights. Elegant California shutters are installed throughout, while the convenient main-floor laundry room and interior access to the garage add everyday functionality. The gourmet eat-in kitchen boasts a large island, stylish backsplash, double sink, walk-in pantry, and a walkout to the fully fenced backyard with patio-perfect for entertaining. Upstairs, the generous primary suite offers a walk-in closet and a luxurious 5-piece ensuite. The professionally finished basement, complete with a separate entrance, includes 2 additional bedrooms, a full kitchen, a 3-piece bathroom, and laundry hookups, making it ideal for extended family or potential rental income. Additional highlights include gas lines for both the kitchen stove and backyard BBQ.

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Milad Momtaz Azad
Milad Momtaz Azad
(647) 510-8858
Julian Kashani
Julian Kashani
(416) 837-7775
TypeDetached
Style2-Storey
Approx. AgeNot available
Size2000-2500 sq. ft.
Property Tax$5,717
Lot Size45.09 ft x 121.74 ft
mls© NumberX13467484
Listed ByUPSTATE REALTY INC.

Listing History

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  • No recent lease history for this listing.

Could you afford this home?

What the bank counts

This home's actual carrying costs, payment stress-tested at 6%

Mortgage, tested at 6%
$4,038
Property tax
$476
Heat allowance
$150
Housing costs
$4,665 / mo

Lenders cap these at 39% of gross income — that sets the number.

Down payment20% · $157,800
25-yr amortization

Income needed

$144,000

gross annual household income

Payment at 4%
$3,320 / mo
Cash down
$157,800

Assumes no other monthly debts · 25-yr amortization

Full affordability check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

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