14 Oxford Terrace, St. Thomas

$725,000
14 Oxford Terrace

$725,000

New
18d
Detached2-Storey

14 Oxford Terrace, St. Thomas

Total Monthly Obligation $3,776

Beds
6
Baths
4
Park
4
Sqft
2000-2500
DOM
18d
Score
19
Yield
5.1%
Cash on Cash
-3.0%
Cap Rate
3.9%
5Y IRR
13.2%
10Y IRR
12.7%
Property Type-Detached
MLS® Number-X13864142
Beds-6
Bathrooms-4
Size-2000-2500 sqft
Lot Size-45.09 × 121.74 ft
Listed on site-Oct 5, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,716.96 (2025)
Parking-6 - Attached
Basement-Finished, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-UPSTATE REALTY INC.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Other
Foundation-Concrete
Sewer-Sewer
Possession-TBD
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to this exceptional 4+2 bedroom, 4-bathroom detached home, built by the award-winning Doug Tarry Homes. This beautifully designed Edenbrook Model offers a double-car garage and is situated in one of the most sought-after communities in the southeast corner of St. Thomas, within the highly regarded Mitchell Hepburn School district. this home features a bright open-concept layout with 9-foot ceilings on the main floor, a grand open-to-above foyer, and a spacious family room complete with a cozy fireplace and pot lights. Elegant California shutters are installed throughout, while the convenient main-floor laundry room and interior access to the garage add everyday functionality. The gourmet eat-in kitchen boasts a large island, stylish backsplash, double sink, walk-in pantry, and a walkout to the fully fenced backyard with patio-perfect for entertaining. Upstairs, the generous primary suite offers a walk-in closet and a luxurious 5-piece ensuite. The professionally finished basement, complete with a separate entrance, includes 2 additional bedrooms, a full kitchen, a 3-piece bathroom, and laundry hookups, making it ideal for extended family or potential rental income. Additional highlights include gas lines for both the kitchen stove and backyard BBQ.

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

Closing Costs

Mortgage Amount
$580,000
Land Transfer Taxes$10,975
Legal Fees (Est.)
$
Total cash required for closing$157,475

Total Monthly Obligation

$3,776/mo
Mortgage $2,924
Monthly Loss $3,006
Principal$770
Interest$2,155
Property Tax$476
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.2%20
Cash-on-Cash
-7.8%1
5-Year IRR
9.5%32
10-Year IRR
10.2%
Returns Index
17.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
19/ 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
$36,876/yr
NOI
$22,971/yr
Net Cash Flow
-$1,010/mo
Cash Margin
-32.9%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.658
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo41
Risk Index
22.6/ 100

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

Comparables

Properties near 14 Oxford Terrace

Time

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