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St. Thomas, St. Thomas
$649,900
Beautifully maintained and thoughtfully updated, this 3 bedroom, 2 bathroom bungalow is tucked away on a quiet cul de sac in a sought after family friendly neighborhood. With 2,150 sq feet of finished living space, this bright open concept main floor features vaulted ceilings, hardwood flooring, Hunter Douglas blinds, upgraded lighting, and quality finishes throughout. The spacious living room is anchored by a gas fireplace with porcelain facade, while the kitchen offers granite countertops, soft close cabinetry with upgraded uppers, island seating for six with stools included, and six newer appliances including a double oven and a brand new over the range microwave. A dedicated dining area provides an inviting space for everyday living and entertaining. The private primary suite offers a walk in closet and convenient linen cupboard. The updated3piece bathroom features a walk in shower, quartz vanity, and heated floors. Main floor laundry includes newer appliances and offers potential for conversion to a 2 piece bathroom, with a second laundry area in the lower level. The fully finished basement features upgraded laminate flooring, a spacious family room, custom-built wall unit, and a recessed Napoleon electric fireplace with 50in Sony TV included. A stylish 4 piece bathroom includes a quartz vanity and heated floors, while a separate flex room is ideal for a home office, hobby room, playroom, or potential fourth bedroom. Enjoy the fully fenced backyard with a tumble stone patio, gazebo, garden shed, gas BBQ hookup, underground drainage to the street, and two gated entrances. Additional highlights include newer windows in the kitchen and family room, front entrance door, patio door insert with built-in blinds, retractable screen door, front porch railing, and privacy blind. Major updates include a tankless water heater (2025), furnace with humidity control (2023),Life Breath ERV system (2022), monitored alarm system, and annually treated driveway.
No extras listed.
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| Type | Detached |
| Style | Bungalow |
| Approx. Age | 16-30 |
| Size | 700-1100 sq. ft. |
| Property Tax | $4,305 |
| Lot Size | 40.22 ft x 125.39 ft |
| mls© Number | X13730224 |
| Listed By | RE/MAX CENTRE CITY REALTY INC. |
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%
- $3,326
- Property tax
- $359
- Heat allowance
- $150
- Housing costs
- $3,835 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$118,000
gross annual household income
- Payment at 4%
- $2,735 / mo
- Cash down
- $129,980
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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