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

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage — RECO Registration #6018570.

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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 7 days

    176 Centre Street

    ·St. Thomas, ON··

    • 3 beds
    St. Thomas real estate›X13582898
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    1 upcoming open house

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

    • Open house
      Sun, Jul 26
      2026-07-26T15:00:00.000-00:00 – 2026-07-26T17:00:00.000-00:00
      Public
    Overview

    What this listing tells us

    Property description

    176 Centre St... This well arranged bungalow offers a bright open concept kitchen and living area with upgraded appliances and 9.5' ceilings. Located directly off of the living area, you are greeted by two bedrooms, each including space for a walk in closet. As you move through the living area towards the home's rear, you arrive in the large formal dining area anchored by the fireplace and enhanced by views of the backyard. The large master bedroom includes sliding door access to the wrap-around deck overlooking the backyard. The main floor also includes laundry and a 4-piece bathroom. Whether you are looking to host friends and family, enjoy your covered front porch and wrap around deck in the backyard, or simply create lasting memories, this property presents the opportunity to check these boxes.

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

    AI highlights by Zara
    • This well arranged bungalow offers a bright open concept kitchen and living area with upgraded appliances and 9.5' ceilings.
    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
    Jul 20, 2026ListedCurrentFor sale$364,900 —X13582898This 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.

    📍 176 Centre Street
    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
    $1,793
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $182
    0.60% 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
      $544,988
      Last 30 days
    • Median sold price
      $525,000
      Middle of the market
    • Days on market
      52 d
      Avg from list to close
    • Closed last 30d
      188
      MLS® transactions
    Full St. Thomas market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 176 Centre 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.

    Call now
    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 176 Centre 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 176 Centre Street listed for?

      176 Centre Street is listed at $364,900 on the MLS® (listing X13582898). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 176 Centre 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. 1 bath
  2. 700-1100 sqft
  3. Detached
  4. Asking
    $364,900
    $0 / sqft · MLS® X13582898
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $544,988
    $501,389Confidence range$588,587
    Asking vs estimate
    ↓below
    −$180,088
    (-33.0%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 3 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Thomas sell in about 52 days — this one has been listed 7 days.

    Avg sold price
    $544,988
    Median sold
    $525,000
    Avg days on market
    52
    Recently sold
    188
    See comparable sales
  6. As you move through the living area towards the home's rear, you arrive in the large formal dining area anchored by the fireplace and enhanced by views of the backyard.
  7. The large master bedroom includes sliding door access to the wrap-around deck overlooking the backyard.
  8. Whether you are looking to host friends and family, enjoy your covered front porch and wrap around deck in the backyard, or simply create lasting memories, this property presents the opportunity to check these boxes.
  9. Ask Zara a follow-up
    Sewer
  10. Parking & garage

    3
    Garage
    None
    Parking spaces
    1
    Driveway
    1
  11. Interior

    4
    Basement
    Unfinished
    Family room
    Y
    Kitchens
    1
    Total rooms
    7
  12. Exterior & construction

    4
    Exterior
    Vinyl Siding
    Roof
    Asphalt Shingle
    Foundation
    Stone
    Pool
    None
  13. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    Bungalow
    Property class
    Detached
  14. Room-by-room · 7 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    7 rooms
    • Bedroom 2
      10.5 × 8.1 ft
    • Dining Room
      8.7 × 17.7 ft
    • Kitchen
      9.5 × 12.4 ft
    • Bedroom 3
      12.4 × 8.1 ft
    • Bedroom
      14.7 × 9.9 ft
    • Bathroom
      4 Pc Bath
      5.8 × 8.0 ft
    • Living Room
      13.6 × 12.4 ft
    Combined estimate
    $1,975
    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
    $1,793
    /mo
    based on the purchase price of $364,900
    $72,980 cash
    $291,920 financed
    $245,873 total interest
    Monthly payment$1,793/ month
    Principal54%$291,920
    Interest46%$245,873

    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.

    or send as guest
    Get pre-approved in minutes

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

    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.

    • 1 Idsardi Avenue
      Sold
      Sign in for price
      1 Idsardi Avenue
      Detached
    • 43 Stirling Crescent
      Sold
      Sign in for price
      43 Stirling Crescent
      Detached
    • 30 Erinlea Drive
      Sold
      Sign in for price
      30 Erinlea Drive
      Detached
    • 14 Raven Avenue
      Sold
      Sign in for price
      14 Raven Avenue
      Detached
    • 71 Renaissance Drive
      Sold
      Sign in for price
      71 Renaissance Drive
      Detached
    • 12 Woodworth Avenue
      Sold
      Sign in for price
      12 Woodworth Avenue
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    176 Centre StreetThis home3 / 17,001,100$364,900ask———
    1 Idsardi Avenue3 / 21,100—
    43 Stirling Crescent3 / 2700—
    Sold prices are hidden under TRREB rules. to reveal them.

    More detacheds in St. Thomas

    Active listings within ±20% of this asking price.

    • 1 Britton Drive
      $398,000
      1 Britton Drive
      Detached 2 2
    • 2 OPECHEE Street
      $397,700
      2 OPECHEE Street
      Detached 3 1
    • 118 INKERMAN Street
      $425,000
      118 INKERMAN Street
      Detached 4 2
    • 43 Arthur Avenue
      $429,900
      43 Arthur Avenue
      Detached 2 1
    • 28 Walnut Street
      $329,900
      28 Walnut Street
      Detached 2 1
    • 63 SOUTHWICK Street
      $429,900
      63 SOUTHWICK Street
      Detached 3 3
    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 THRIVE REALTY GROUP INC. · displayed on Summitly per MLS® data-share rules

    176 Centre Street is a 3-bedroom, 1-bath, 700-1100 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  19. When was 176 Centre Street built?

    The year built for 176 Centre Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  20. What is the property tax for 176 Centre Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 176 Centre Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  21. How much would the monthly mortgage be on 176 Centre Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $364,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  22. Has 176 Centre Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 176 Centre 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 176 Centre Street in?

    176 Centre 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. 30 Erinlea Drive
    3 / 3
    1,100
    —
    14 Raven Avenue2 / 2700—
    71 Renaissance Drive2 / 41,100—
    12 Woodworth Avenue3 / 21,100—