Raised ranch with massive deck near downtown Chatham

Property details for 45 St. Patrick Street, Chatham

Type: Residential
Style: Raised ranch
Bedrooms: 3
Bathrooms: 1
Lot Size: 45 X IREG / 0.114 AC
Heating: Forced air, Natural gas, Furnace
Cooling: Central air conditioning
Exterior: Aluminum/Vinyl
Ownership: Freehold
Annual Taxes: $2,207 (2026)

Just a few blocks from Chatham's downtown core, this raised ranch sits on a 45-foot lot with a side gravel driveway. The main floor has two bedrooms plus a 4pc bath, and the basement adds a third bedroom, rec room with bar, workshop, and laundry. Kitchen and bathroom were remodeled under five years ago, and new patio doors open to a 20x12 deck built last year. The backyard is a garden oasis with colorful perennials and a couple of sheds for storage. There's a 3-season garden room off the front, a nice spot to sip coffee. Furnace, A/C, and windows are original, but the roof was replaced in 2009. Priced at $449,000, it's well above the neighborhood median of $329,900, but you're paying for condition and that private outdoor space. Lots of nearby conveniences too: Pizza Tonite is a three-minute walk, Sobeys and St. Clair College are about a kilometer away. It's on septic, so no municipal water bills. The basement rec room with the bar would be great for entertaining. Overall, it's a solid, move-in ready home that's been cared for.

About 45 St. Patrick Street, Chatham — Property Score

Strong Investment Hot Market

Score: 68/100

Value

Priced 3.4% below area median of $464,900 based on 228 comparable properties nearby 75

Stable pricing - no price changes since original listing date 50

Size

3 bedrooms - typical for similarly priced homes 60

1 bathroom - 1 fewer than similarly priced properties nearby 48

Location

$37K median household income - below the Canadian average of $70K 49

62% of residents hold postsecondary credentials - an above-average education level 72

36% homeownership rate - a renter-majority neighbourhood 55

86% of residents commute under 30 minutes - excellent commuter accessibility 99

3,974/km² population density - a well-balanced suburban area 90

Market

Just listed - area average is 43 days on market 100

+9.6% median price change over 1 month - rising prices in the area 98

32 months of housing supply - 256 active listings with 8 sold last month (buyer's market) 40

Features

efficient gas forced air heating 80

Central air conditioning - whole-home cooling 90

Built in 1996 (30 years old) - may benefit from selective updates, newer than the area average (1971) 58

No premium extras like pool, waterfront, or view 50

Investment

0.49% effective tax rate ($2,206/yr) - very low tax burden 85

64% renter population - strong rental demand in this area 100

Quality

Condition

Listing

34 photos provided - below the area average of 35 photos 92

5 of 7 key property details provided (71%) - good detail coverage 76

* 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.