









































22 Montgomery Road
St. Thomas, St. Thomas
$599,990
**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. *Windows will be changed prior to closing.
No extras listed.
Visit this home
Pick a time that works for you.
No upcoming open houses.
Got questions?
Contact Sell with Strategy.


| Type | Detached |
| Style | Bungalow |
| Approx. Age | Not available |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,082 |
| Lot Size | 70 ft x 125 ft |
| mls© Number | X13649996 |
| Listed By | RE/MAX MILLENNIUM REAL ESTATE |
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%
- $3,071
- Property tax
- $257
- Heat allowance
- $150
- Housing costs
- $3,478 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$107,000
gross annual household income
- Payment at 4%
- $2,525 / mo
- Cash down
- $119,998
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
Values and trends
Nearby listings
Comparable sales
- No similar listings found.









































































































































































































































































































































































































































































































































































































































































































