31 Cavanaugh Crescent, St. Thomas, ON N5R 5Y6
St. Thomas, ON N5R 5Y6
Quick cost estimateKnown monthly subtotal$3,877.93 / monthLand transfer tax $11,274.98One-time estimate
Quick cost estimate
$3,877.93 / monthKnown monthly subtotal
- Mortgage principal & interest
- $3,443.10
- Property tax / month
- $434.83
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $11,274.98
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $11,274.98
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
One Owner Home - This spacious 2 Storey , 3 bedroom, 3.5 bathroom family home is located in one of St. Thomas' most desirable south side neighbourhoods, situated on a mature, landscaped, treed lot boasting a covered front porch, 23 x 21 foot double car garage , parking for six cars in the driveway, and a beautiful park-like rear yard with deck, gazebo and garden shed, accessible from the kitchen eating area and the main floor family room. The kitchen features quartz countertops, tile backsplash and offers a bright cheery eating area overlooking the generous size family room with gas fireplace. The dining room, living room, a 2-pc bathroom, and main floor laundry/mud room with access to the garage complete this level. The second level has 3 bedrooms, including the primary bedroom, two with walk-in closets, a primary bedroom ensuite 4-pc bathroom, with heated floor, jetted tub and separate shower, and another 4-pc bathroom. The basement level is partially finished with a hobby room (currently being used as a guest bedroom), and a 3-pc bathroom. A large recreation/games area as well as the storage/utility area are partially drywalled. 200 Amp Service, Central Vac throughout, as well as in the garage, some newer windows, furnace & A/C 2020. Great location, proximity to schools, shopping, restaurants. You must see to appreciate. You will want to call it home!
Home details
- Days on market
- Not reported
- Property type
- Detached
- MLS® number
- X13168602
- Source status
- Extension
- Bedrooms
- 3
- Bathrooms
- 4
- Postal code
- N5R 5Y6
- Kitchens
- 1
- Kitchens above grade
- 1
- Family room / den
- Yes
- Interior size (reported range)
- 2000-2500
- Lot depth
- 123.27 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 8
- Occupancy
- Owner
- Possession type
- 30-59 days
- Garage
- Attached
- Annual property tax
- 5218
- Basement
- Full, Partially Finished
- Interior features
- Auto Garage Door Remote, Central Vacuum, Storage, Sump Pump, Water Heater, Water Meter, Floor Drain
- Architectural style
- 2-Storey
- Parking features
- Private Triple
- Pool features
- None
- Fireplace
- Yes
- Waterfront
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
- Sewer
- Sewer
- Direction facing
- West
- Construction materials
- Brick, Aluminum Siding
- Roof
- Asphalt Shingle
- Foundation
- Poured Concrete
- MLS entry age (not confirmed DOM)
- 165 days
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Sewer
- Sewer
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- Central Air
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
- Bedrooms above grade
- 3
- Rooms above grade
- 13
- Den / family room reported
- Yes
Reported counts are shown independently. Room dimensions have not been inferred from these counts.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $739,999
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
Explore sold records with approved VOW access →Nearby homes sold near 31 Cavanaugh Crescent, St. Thomas, ON N5R 5Y6, St. Thomas
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Sign in · Request accessEstimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- Elgin
- Municipality
- ST. THOMAS
Plan a trip from this home
Check a route from this property to work, school or another destination. Google Maps provides the current estimate when opened; traffic and departure time affect results.
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
St. Anne's Separate School ↗
Elementary · JK-8 · English · Catholic
School board: London District Catholic School Board ↗
84 Park Ave, St. Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 69%
- Grade 3 Writing (at provincial standard)
- 55%
- Grade 3 Mathematics (at provincial standard)
- 58%
- Grade 6 Reading (at provincial standard)
- 85%
- Grade 6 Writing (at provincial standard)
- 84%
- Grade 6 Mathematics (at provincial standard)
- 39%
Forest Park Public School ↗
Elementary · JK-8 · English · Public
School board: Thames Valley DSB ↗
295 Forest Ave, St Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 29%
- Grade 3 Writing (at provincial standard)
- 22%
- Grade 3 Mathematics (at provincial standard)
- 32%
- Grade 6 Reading (at provincial standard)
- 64%
- Grade 6 Writing (at provincial standard)
- 57%
- Grade 6 Mathematics (at provincial standard)
- 39%
Central Elgin Collegiate Institute ↗
Secondary · 9-12 · English · Public
School board: Thames Valley DSB ↗
201 Chestnut St, St Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 50%
- Grade 10 OSSLT (first-attempt pass)
- 79%
Pierre Elliott Trudeau French Immersion Public School ↗
Elementary · JK-8 · English · Public
School board: Thames Valley DSB ↗
112 Churchill Crescent, St. Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 62%
- Grade 3 Writing (at provincial standard)
- 38%
- Grade 3 Mathematics (at provincial standard)
- 73%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 94%
- Grade 6 Mathematics (at provincial standard)
- 66%
Elgin Court Public School ↗
Elementary · JK-8 · English · Public
School board: Thames Valley DSB ↗
254 First Ave, St Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 56%
- Grade 3 Writing (at provincial standard)
- 36%
- Grade 3 Mathematics (at provincial standard)
- 44%
- Grade 6 Reading (at provincial standard)
- 58%
- Grade 6 Writing (at provincial standard)
- 55%
- Grade 6 Mathematics (at provincial standard)
- 29%
Mitchell Hepburn Public School ↗
Elementary · JK-8 · English · Public
School board: Thames Valley DSB ↗
95 Raven Avenue, St Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 68%
- Grade 3 Writing (at provincial standard)
- 64%
- Grade 3 Mathematics (at provincial standard)
- 65%
- Grade 6 Reading (at provincial standard)
- 88%
- Grade 6 Writing (at provincial standard)
- 96%
- Grade 6 Mathematics (at provincial standard)
- 66%
St Joseph's High School ↗
Secondary · 9-12 · English · Catholic
School board: London District Catholic School Board ↗
100 Bill Martyn Pkwy RR 4, St. Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 46%
- Grade 10 OSSLT (first-attempt pass)
- 92%
Arthur Voaden Secondary School ↗
Secondary · 9-12 · English · Public
School board: Thames Valley DSB ↗
41 Flora St, St Thomas
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 27%
- Grade 10 OSSLT (first-attempt pass)
- 48%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
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Transit near this property
No current nearby stops were returned by the installed TTC, GO Transit and UP Express datasets. Coverage and service dates vary; distances and travel times are not inferred.
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Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in St. Thomas
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
31 Cavanaugh Crescent, St. Thomas, ON N5R 5Y6, St. Thomas is listed for sale as a Detached. The listing reports 3 bedrooms, 4 bathrooms, reported interior area of 2000-2500 (units not reported), kitchens reported as 1, parking spaces reported as 8. Asking price: $739,999. Occupancy is reported as Owner. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13168602.
The Ministry’s school dataset lists St. Anne's Separate School approximately 297 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists St. Anne's Separate School approximately 297 m from the property’s mapped location.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility.
Explore the area: Elgin · St. Thomas.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: RE/MAX CENTRE CITY REALTY INC.. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13168602. Information deemed reliable but not guaranteed.