327 Wellington Street, St. Thomas

$479,900
327 Wellington Street

$479,900

New
9d
Detached2-Storey

327 Wellington Street, St. Thomas

Total Monthly Obligation $2,533

Beds
3
Baths
2
Park
2
Sqft
1500-2000
DOM
9d
Score
21
Yield
5.5%
Cash on Cash
-0.5%
Cap Rate
4.5%
5Y IRR
15.1%
10Y IRR
14.3%
Property Type-Detached
MLS® Number-X14031622
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-42 × 128 ft
Listed on site-Oct 14, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$2,669 (2025)
Parking-2 - None
Basement-Full, Unfinished
Heating-Forced Air (Gas)
Brokerage-RIGHT AT HOME REALTY
Cooling-Central Air
Laundry-No
Fireplace-Living Room
Pool-Inground
Facing-North
Exterior-Brick
Roof-Metal
Foundation-Block
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to this beautifully maintained family home, lovingly cared for by the same owners for the past 36 years. Offering an exceptional combination of indoor and outdoor living, this property features 3 bedrooms, 2 bathrooms, a versatile office that could easily serve as a 4th bedroom, and a private backyard oasis complete with an inground pool, expansive deck, tranquil pond, and a detached workshop. The bright main floor offers a spacious living room with a cozy gas fireplace, a separate dining room, convenient 2-piece bathroom, and a well-appointed kitchen featuring concrete countertops, a gas stove, making it an ideal space for entertaining family and friends .Upstairs you'll find three generous bedrooms, a full 4-piece bathroom, and a flexible office space perfect for working from home or easily converted into a fourth bedroom. The lower level provides a laundry area, additional office or hobby space, and plenty of storage .Outside, you'll appreciate the beautifully landscaped yard featuring a large deck overlooking the inground pool with a new liner (2023), a peaceful pond, and a detached shop (22 x 11 feet)-perfect for hobbies, storage, or a workshop. This home has seen numerous updates, including: Durable metal roof, North Star replacement windows and exterior doors, New central air (2026), Blown-in insulation for improved energy efficiency, Interior waterproofing with sump pump and tiled drainage system, Appliances included, plus two refrigerators and window coverings. Ideally located with easy access to Highbury Avenue and London, this home is just minutes from the hospital, shopping, restaurants, schools, and everyday amenities, making it an excellent choice for commuters and families alike. This is a rare opportunity to own a well-maintained home with outstanding outdoor living space and thoughtful updates.

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(utilities, internet...)
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%
%

Closing Costs

Mortgage Amount
$383,920
Land Transfer Taxes$6,073
Legal Fees (Est.)
$
Total cash required for closing$103,553

Total Monthly Obligation

$2,533/mo
Mortgage $1,936
Monthly Loss $2,024
Principal$509
Interest$1,426
Property Tax$222
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.5%22
Cash-on-Cash
-6.4%2
5-Year IRR
10.6%40
10-Year IRR
11.1%
Returns Index
20.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$26,400/yr
NOI
$16,591/yr
Net Cash Flow
-$553/mo
Cash Margin
-25.1%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.7110
LTV Ratio
80.0%18
Vacancy Buffer
3.8 mo65
Risk Index
31.3/ 100

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

Comparables

Properties near 327 Wellington Street

Time

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