Updated 3-Bed with Loft Near Downtown St. Thomas

Property details for 125 Curtis Street, St Thomas

Type: Residential
Bedrooms: 3
Bathrooms: 2
Lot Size: 34 x 120 FT ; 10.93ftx4.61x16.93x120.43x27.86x115.82ft
Stories: 2
Basement: Unfinished, Full
Parking: Detached Garage, Garage
Heating: Forced air, Natural gas
Cooling: Central air conditioning
Exterior: Aluminum siding
Ownership: Freehold
Annual Taxes: $2,015 (2025)

Three blocks from downtown St. Thomas, this 2-storey brick and aluminum-sided house sits on a 34x120 foot lot. The front sunroom is enclosed, perfect for a coffee spot. Inside, the main floor has a separate dining room, living room, a powder room, and a mudroom that leads out back. The kitchen got new countertops and sink in 2020, and the cupboard doors were refaced in 2024. Upstairs, the primary bedroom has a walk-in closet and a hidden door that opens to a spray-foamed loft, finished in 2023. That loft makes a great home office or extra storage. Both bathrooms have been updated, with new toilets in 2020 and 2023. All windows were replaced in 2020 and come with a transferable lifetime warranty. Main-floor flooring is new from 2021. Sloped lot in back, fully fenced, with a deck that got new railings in 2026. There's a detached one-car garage with a new door (2020) and the driveway fits two cars. The full basement has laundry and room for storage. Sold for $389,900, and with houses nearby going for around $459,000, this one's priced to move. Arthur Voaden Secondary School is a 5-minute walk, and the Elgin County Railway Museum is about a kilometer away. Central air keeps it cool in summer. This one's got solid bones and recent updates.

About 125 Curtis Street, St Thomas — Property Score

Strong Investment Well Priced

Score: 68/100

Value

Priced 29.7% below area median of $554,900 based on 80 comparable properties nearby 100

Stable pricing - no price changes since original listing date 50

Size

3 bedrooms - typical for similarly priced homes 60

2 bathrooms - typical for similarly priced properties 60

4,080 sqft lot - a standard lot for the area 65

Location

$38K median household income - below the Canadian average of $70K 49

70% of residents hold postsecondary credentials - a highly educated neighbourhood 79

48% homeownership rate - a renter-majority neighbourhood 64

71% of residents commute under 30 minutes - excellent commuter accessibility 87

1,334/km² population density - a well-balanced suburban area 83

Market

Just listed - area average is 30 days on market 100

-11.1% median price change over 1 month - declining prices in the area 1

45.5 months of housing supply - 91 active listings with 2 sold last month (buyer's market) 40

Features

3-car garage - area average is 4.2 spots 80

Unfinished, Full basement - adds valuable living space 85

efficient gas forced air heating 80

Central air conditioning - whole-home cooling 90

No premium extras like pool, waterfront, or view 50

Investment

0.52% effective tax rate ($2,015/yr) - very low tax burden 84

51% renter population - strong rental demand in this area 91

Quality

Condition

Listing

35 photos provided - consistent with area listings 92

6 of 7 key property details provided (86%) - comprehensive listing with excellent detail 86

* This property score is an approximate estimate based on publicly available data, nearby comparable listings, and automated analysis. Scores are for informational purposes only and should not be relied upon as professional appraisals or investment advice. Actual property values may vary. We recommend consulting a licensed real estate professional for accurate assessments.