15 Oriole Lane, St. Thomas

$739,900
15 Oriole Lane

$739,900

New
9d
Detached2-Storey

15 Oriole Lane, St. Thomas

Total Monthly Obligation $3,847

Beds
3
Baths
3
Park
4
Sqft
2000-2500
DOM
9d
Score
18
Yield
5.0%
Cash on Cash
-3.5%
Cap Rate
3.8%
5Y IRR
12.8%
10Y IRR
12.4%
Property Type-Detached
MLS® Number-X14083442
Beds-3
Bathrooms-3
Size-2000-2500 sqft
Lot Size-45.05 × 120.7 ft
Listed on site-Oct 14, 2026
Style-2-Storey
Building Type-Detached
Taxes-$5,855 (2025)
Parking-6 - Attached
Basement-Full, Finished
Heating-Forced Air (Gas)
Brokerage-ELGIN REALTY LIMITED
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas, Electric
Pool-None
Facing-North
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Poured Concrete
Sewer-Sewer
Possession-flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Tucked away on a quiet cul-de-sac in the desirable Lake Margaret Estates, this impressive 3-bedroom, 3-bathroom home offers a wonderful combination of comfort, elegance, and thoughtful design. Loaded with upgrades, this home is ideal for both everyday living and entertaining. The spacious open-concept kitchen features an abundance of cabinetry, a convenient built-in desk area, and flows seamlessly into the inviting great room. A separate formal dining room provides the perfect setting for special occasions and family gatherings. The primary suite is truly a retreat of its own, featuring a double-sided electric fireplace, hotel-inspired wet bar, relaxing soaker tub, dedicated makeup area, and an impressive 8' x 15' walk-in closet complete with California-style closet organizers. Working from home is equally appealing with a private office featuring rich, dark wood built-in cabinetry, creating a warm and sophisticated workspace. With generous living spaces, distinctive features, and a peaceful location in one of St. Thomas's sought-after neighbourhoods, this home offers an exceptional opportunity to enjoy executive-style living. **Recent updates: furnace 2022,shingles 2016, garage door 2015, kitchen counters 2018, kitchen cupboards 2023, ensuite shower 2018

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

Closing Costs

Mortgage Amount
$591,920
Land Transfer Taxes$11,273
Legal Fees (Est.)
$
Total cash required for closing$160,753

Total Monthly Obligation

$3,847/mo
Mortgage $2,985
Monthly Loss $3,062
Principal$785
Interest$2,199
Property Tax$488
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.1%19
Cash-on-Cash
-8.2%1
5-Year IRR
9.2%30
10-Year IRR
10.0%
Returns Index
16.3/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
18/ 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
$22,833/yr
Net Cash Flow
-$1,082/mo
Cash Margin
-35.2%0
Cash Flow Index
0.0/ 100
Risk Profile
Weight: 20%
DSCR
0.648
LTV Ratio
80.0%18
Vacancy Buffer
2.5 mo40
Risk Index
22.1/ 100

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

Comparables

Properties near 15 Oriole Lane

Time

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