40 Barnes Street, St. Thomas, ON N5R 2V5
St. Thomas, ON N5R 2V5
Quick cost estimateKnown monthly subtotal$3,019.41 / monthLand transfer tax $8,473One-time estimate
Quick cost estimate
$3,019.41 / monthKnown monthly subtotal
- Mortgage principal & interest
- $2,791.24
- Property tax / month
- $228.17
- 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
- $8,473
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
- $8,473
- 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.
Want to see it in person?Request a showing →
About this home
INVESTMENT OPPORTUNITY AWAITS - This turnkey Duplex with a legal basement apartment is located on a large 70' wide lot on a quiet street in the heart of St Thomas and close to all amenities. MAIN FLOOR UNIT - Accessed through the side door, this unit features 2 Bedrooms, Livingroom, Kitchen with Refrigerator and Stove included, and 4 Piece Bath - Currently vacant but lease potential of $1,800 per month Plus 1/2 Hydro. UPPER UNIT - Accessed through the front door, this unit features 2 Bedrooms, Livingroom, Kitchen with Refrigerator and Stove included and a 3 piece Bath - Currently leased at $1,550 per month on a month - month basis plus hydro. BASEMENT UNIT - Access is through the rear door and features 1 Bedroom with a fire coded egress window, Livingroom, Kitchen with Refrigerator and Stove included, and a 3 Piece Bath - Currently rented at $1,050 per month + 1/2 hydro. UTILITIES - Landlord pays for Enbridge gas heat and common hydro usage, 3 electrical meters - one for upper, one for main and basement and 1 for common area and the 3 Hot water tanks are owned. OUTSIDE - The double wide paved drive is large enough to handle 3-4 vehicles with access to the Garage for storage of lawn equipment. LAUNDRY - A condensing Washer and Dryer unit is located in each unit for use by the tenants. SAFETY - Smoke and CO Detectors on all 3 levels are linked to provide added safety. INCOME AND EXPENSES - Based on 2025 costs - Insurance $2,787.92, Enbridge Gas $1,079.36, Property Taxes $2,738.00, Entegrus hydro/water/sewer $1,152 offering a 7.5% CAP Rate. ADDITIONAL RESIDENTIAL UNITS - Explore adding Additional Residential Units in the rear / side yard or possibly severing the side yard to increase the investment potential of this property. NEXT STEPS - With the explosive growth happening in St Thomas, don't wait to schedule an appointment today to checkout your next invest opportunity
Home details
- Days on market
- Not reported
- Property type
- Duplex
- MLS® number
- X13536296
- Source status
- New
- Bedrooms
- 5
- Bathrooms
- 3
- Postal code
- N5R 2V5
- Kitchens
- 3
- Kitchens above grade
- 3
- Family room / den
- No
- Interior size (reported range)
- 1100-1500 (units not reported)
- Lot depth
- 101.27 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- 5
- Occupancy
- Tenant
- Possession type
- Immediate
- Garage
- Detached
- Annual property tax
- 2738
- Basement
- Full
- Interior features
- Water Heater Owned
- Architectural style
- 2-Storey
- Parking features
- Private
- Pool features
- None
- Fireplace
- No
- Waterfront
- No
- Garage available
- Yes
- Heating system
- Forced Air
- Heating fuel
- Gas
- Cooling
- None
- Sewer
- Sewer
- Direction facing
- South
- Construction materials
- Vinyl Siding
- Roof
- Fibreglass Shingle
- Foundation
- Concrete, Concrete Block
- MLS entry age (not confirmed DOM)
- 122 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
- None
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
- 4
- Bedrooms below grade
- 1
- Rooms above grade
- 15
- Den / family room reported
- No
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
- $599,900
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 in St. Thomas
Recent sold-home details are for approved VOW members. Sign in to view source-reported homes, dates and prices.
Estimate 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.
Google Maps opens in a new tab and calculates the route. Your destination and this property location are sent to Google only when you submit. EnterHome does not store the destination or calculate a travel time.
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.
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%
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%
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%
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%
June Rose Callwood Public School ↗
Elementary · JK-8 · English · Public
School board: Thames Valley DSB ↗
84 Edward 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 3 Reading (at provincial standard)
- 58%
- Grade 3 Writing (at provincial standard)
- 31%
- Grade 3 Mathematics (at provincial standard)
- 49%
- Grade 6 Reading (at provincial standard)
- 74%
- Grade 6 Writing (at provincial standard)
- 77%
- Grade 6 Mathematics (at provincial standard)
- 18%
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%
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%
Monsignor Morrison Separate School ↗
Elementary · JK-8 · English · Catholic
School board: London District Catholic School Board ↗
10 South Edgeware Drive, 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)
- 78%
- Grade 3 Writing (at provincial standard)
- 76%
- Grade 3 Mathematics (at provincial standard)
- 71%
- Grade 6 Reading (at provincial standard)
- 75%
- Grade 6 Writing (at provincial standard)
- 82%
- Grade 6 Mathematics (at provincial standard)
- 30%
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.
Filter the records displayed below.
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.
Filter the records displayed below.
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.
Want to see this home?Request a showing →
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
How do I request a showing?
Choose a date and time preference in the request form. A request is not a confirmed appointment; EnterHome will confirm availability separately.
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.
Can I see sold prices for nearby properties?
Sold and leased comparable records are shown only to approved VOW users where the source permits display. Sign in or request VOW access if prompted.
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
40 Barnes Street, St. Thomas, ON N5R 2V5, St. Thomas is listed for sale as a Duplex. The listing reports 5 bedrooms, 3 bathrooms, reported interior area of 1100-1500 (units not reported), kitchens reported as 3, parking spaces reported as 5. Asking price: $599,900. Occupancy is reported as Tenant. Review the Home details, room measurements and utility sections below to compare reported specifications; confirm important details with the listing brokerage. MLS® X13536296.
The Ministry’s school dataset lists Arthur Voaden Secondary School approximately 542 m from the property’s mapped location.
Local context
The Ministry’s school dataset lists Arthur Voaden Secondary School approximately 542 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: COLDWELL BANKER STAR REAL ESTATE. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X13536296. Information deemed reliable but not guaranteed.