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St. Thomas, St. Thomas
$510,000
Solid century brick home in excellent condition on a quiet street within walking distance to plaza, butcher, downtown. 9 foot ceilings main floor, stained glass window, Close to hospital. Features 3 bedrooms on second flor plus an additional bedroom could be in the finished attic, and 2 bathrooms. Approx. 1867 sq. feet inc. attic. Metal roof, newer furnace and central air , recent carpets, paint, hardwood, fireplace, walk in closet, electric fireplace, vinyl windows. Kitchen has hard surface countertops. Fenced yard. John Wise and Parkside School areas. Appliances included.2 Fridges, washer, dryer, stove, microwave. Newer electrical service
No extras listed.
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| Type | Detached |
| Style | 2 1/2 Storey |
| Approx. Age | Not available |
| Size | 1500-2000 sq. ft. |
| Property Tax | $2,635 |
| Lot Size | 40 ft x 110 ft |
| mls© Number | X13485300 |
| Listed By | ELGIN REALTY LIMITED |
Listing History
- No recent sale history for this listing.
- 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%
- $2,610
- Property tax
- $220
- Heat allowance
- $150
- Housing costs
- $2,980 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$92,000
gross annual household income
- Payment at 4%
- $2,146 / mo
- Cash down
- $102,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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