20 Maple Street, St. Thomas

$529,900
20 Maple Street

$529,900

New
29d
Detached1 1/2 Storey

20 Maple Street, St. Thomas

Total Monthly Obligation $2,743

Beds
5
Baths
2
Park
4
Sqft
2000-2500
DOM
29d
Score
28
Yield
6.9%
Cash on Cash
5.8%
Cap Rate
5.8%
5Y IRR
20.3%
10Y IRR
18.5%
Property Type-Detached
MLS® Number-X13823594
Beds-5
Bathrooms-2
Size-2000-2500 sqft
Lot Size-40 × 120 ft
Listed on site-Sep 24, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-100+
Taxes-$2,772 (2025)
Parking-4 - None
Basement-Partial Basement, Unfinished
Heating-Forced Air (Gas)
Brokerage-PC275 REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-North
Exterior-Aluminum Siding, Brick
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to this spacious 5-bedroom, 2-bathroom home located in South St. Thomas, where a thoughtfully designed recent addition adds modern character while preserving the home's original charm. The main floor features a generous primary bedroom with a large walk-in closet, large double doors leading to the back covered deck, convenient main-floor laundry, and an impressive new kitchen designed for both everyday living and entertaining. The kitchen boasts an extra-large island, built-in oven, gas cooktop, abundant cabinetry and storage, along with plenty of space for dining and gathering with family and friends. Upstairs, you'll find the fourth bedroom, a 3-piece bathroom, and a spacious second primary offering plenty of flexibility. Create a comfortable second living area, home office or playroom -- or transform the entire upper level into your own private primary suite retreat. Enjoy sitting on the covered deck in the backyard. Set in a family-friendly neighbourhood surrounded by mature trees, this home is conveniently located close to Pinafore Park, downtown St. Thomas, shopping, restaurants, schools and everyday amenities. With its blend of original character, modern updates and versatile living space, this is a home that offers room to grow and enjoy for years to come.

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%
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$
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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$423,920
Land Transfer Taxes$7,073
Legal Fees (Est.)
$
Total cash required for closing$114,553

Total Monthly Obligation

$2,743/mo
Mortgage $2,137
Monthly Loss $2,181
Principal$562
Interest$1,575
Property Tax$231
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.8%35
Cash-on-Cash
-0.2%7
5-Year IRR
15.5%74
10-Year IRR
15.0%
Returns Index
39.6/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
28/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$36,300/yr
NOI
$25,398/yr
Net Cash Flow
-$21/mo
Cash Margin
-0.7%4
Cash Flow Index
4.2/ 100
Risk Profile
Weight: 20%
DSCR
0.9926
LTV Ratio
80.0%18
Vacancy Buffer
3.5 mo59
Risk Index
34.5/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 20 Maple Street

Time

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