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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 14 days

    10.5 Celestine Street

    St. Thomas·St. Thomas, ON·N5P 1J9·Near Celestine / Horton

    • 4 beds
    St. Thomas real estate›X13039886
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    This beautifully updated 2.5-storey family home, located in the heart of St. Thomas, exudes character and charm. Meticulously cared for and renovated from top to bottom, it seamlessly blends modern comforts with timeless appeal.The bright kitchen features shaker cabinetry, a subway tile backsplash, valance lighting, a breakfast bar, stainless steel appliances, and heated tile floors. A convenient mudroom with a garden door leads to a private deck and a large, fully fenced yard.On the second level, you will find spacious bedrooms, a renovated bathroom, and a sizable laundry room. The third-floor loft serves as a private primary retreat, complete with a unique walk-around closet.Recent improvements include:- Removal of all knob-and-tube wiring and the addition of a dedicated basement circuit (2021 & 2024)- Installation of high-efficiency central air with increased capacity (2021)- Reshingling and new flashing on the sunroom roof (2024)- Metal-roof gazebo addition (2023)- Fireplace with a new subfloor, tile, and stone surround; WETT certified and cleaned/inspected (2024)- Installation of 9 new windows throughout (2021-2025)- Loft spray foam insulation (2021)- Removal of popcorn ceilings and professional repainting (2022-2026)- Bosch dishwasher (2024)Previous updates include the roof (2014) and the furnace (2017).Enjoy the enclosed front porch, perfect for sipping morning coffee or enjoying evening wine. This home is just steps away from the Horton Farmers' Market, renowned for its exceptional local producers and artisans. Pride of ownership is evident throughout this must-see property.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Apr 24, 2026ListedCurrentFor sale$469,900 —X13039886This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 10.5 Celestine Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Place Of Worship
    • Rec./Commun.Centre
    • School Bus Route
    • School
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $2,308
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $241
    0.62% mill rate · ON
    The market

    How this home sits in the St. Thomas market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The St. Thomas market right now

    Average sold price, days on market, and closed-transaction count for St. Thomas — sourced from MLS®.

    • Avg sold price
      —
      Last 30 days
    • Median sold price
      —
      Middle of the market
    • Days on market
      —
      Avg from list to close
    • Closed last 30d
      —
      MLS® transactions
    Full St. Thomas market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 10.5 Celestine Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

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    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 10.5 Celestine Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 10.5 Celestine Street listed for?

      10.5 Celestine Street is listed at $469,900 on the MLS® (listing X13039886). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 10.5 Celestine Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 1500-2000 sqft
  3. Detached
  4. Built 100+
  5. Asking
    $469,900
    $0 / sqft · MLS® X13039886
    Chat Zara
  6. Zara AI Estimate
    Live valuation

    Not enough neighbourhood comparable data yet to estimate this listing. Chat with Zara for a private valuation.

    Ask Zara
    Market analytics

    Live market data for St. Thomas.

    Avg sold price
    —
    Median sold
    —
    Avg days on market
    —
    Recently sold
    —
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • This beautifully updated 2.5-storey family home, located in the heart of St.
    • Thomas, exudes character and charm.
    • A convenient mudroom with a garden door leads to a private deck and a large, fully fenced yard.On the second level, you will find spacious bedrooms, a renovated bathroom, and a sizable laundry room.
    • Pride of ownership is evident throughout this must-see property.
    Ask Zara a follow-up
    Sewer
  7. Parking & garage

    3
    Garage
    None
    Parking spaces
    3
    Driveway
    Private
  8. Interior

    5
    Basement
    Unfinished
    Family room
    N
    Kitchens
    1
    Total rooms
    13
    Laundry level
    Upper Level
  9. Exterior & construction

    4
    Exterior
    Vinyl Siding
    Roof
    Fibreglass Shingle
    Foundation
    Poured Concrete
    Pool
    None
  10. Lot & land

    2
    Year built
    100+
    Zoning
    R4
  11. Listing & possession

    4
    Possession
    2026-07-24T00:00:00.000-00:00
    Occupancy
    End of July / Start of August
    Property style
    2 1/2 Storey
    Property class
    Detached
  12. Park
  13. Public Transit
  14. Combined estimate
    $2,549
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $2,308
    /mo
    based on the purchase price of $469,900
    $93,980 cash
    $375,920 financed
    $316,623 total interest
    Monthly payment$2,308/ month
    Principal54%$375,920
    Interest46%$316,623

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in St. Thomas

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 75 CHESTER Street
      Sold
      Sign in for price
      75 CHESTER Street
      Detached
    • 64 Dunkirk Drive
      Sold
      Sign in for price
      64 Dunkirk Drive
      Detached
    • 39 Hitch Crescent
      Sold
      Sign in for price
      39 Hitch Crescent
      Detached
    • 39 William Street
      Sold
      Sign in for price
      39 William Street
      Detached
    • 19 Oriole Lane
      Sold
      Sign in for price
      19 Oriole Lane
      Detached
    • 15 Glenwood Street
      Sold
      Sign in for price
      15 Glenwood Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    10.5 Celestine StreetThis home4 / 215,002,000$469,900ask———
    75 CHESTER Street3 / 21,100—
    64 Dunkirk Drive3 / 1700—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in St. Thomas

    Active listings within ±20% of this asking price.

    • 43 Stirling Crescent
      $429,900
      43 Stirling Crescent
      Detached 3 2
    • 27 Cook Crescent
      $532,500
      27 Cook Crescent
      Detached 3 2
    • 14 Glanworth Avenue
      $449,900
      14 Glanworth Avenue
      Detached 4 2
    • 21 Mariam Street
      $432,000
      21 Mariam Street
      Detached 3 1
    • 30 Erinlea Drive
      $539,900
      30 Erinlea Drive
      Detached 3 3
    • 21 Erie Street
      $399,000
      21 Erie Street
      Detached 3 2
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  15. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  16. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  17. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  18. Public listing courtesy of ELGIN REALTY LIMITED · displayed on Summitly per MLS® data-share rules

    10.5 Celestine Street is a 4-bedroom, 2-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  19. When was 10.5 Celestine Street built?

    10.5 Celestine Street was built in 100+. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  20. What is the property tax for 10.5 Celestine Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 10.5 Celestine Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  21. How much would the monthly mortgage be on 10.5 Celestine Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $469,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  22. Has 10.5 Celestine Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 10.5 Celestine Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  23. What neighbourhood is 10.5 Celestine Street in?

    10.5 Celestine Street is in St. Thomas, St. Thomas. The 'Neighbourhood' section below links to the live St. Thomas real estate hub with average sold price, days on market, and current inventory.

  24. Is St. Thomas a good place to live?

    St. Thomas is one of ON's actively-tracked Summitly markets. The full St. Thomas real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  25. 39 Hitch Crescent
    4 / 2
    1,100
    —
    39 William Street3 / 22,500—
    19 Oriole Lane4 / 31,500—
    15 Glenwood Street3 / 31,500—