Come home to 20 Victoria St in St. Thomas, a beautifully updated two-storey yellow brick home nestled in the sought-after Courthouse neighbourhood. The second floor offers four spacious bedrooms, a full 4-piece bathroom, and access to a versatile loft space-perfect for a playroom, home office, or potential additional bedroom (just needs stairs).The main level features a welcoming foyer, bright and spacious principal rooms, an updated kitchen, dining area, and a walk-in pantry that could also be converted into a convenient laundry space, with direct access to a private back deck.The finished lower level includes a recreation room, laundry closet, 3-piece bathroom, and additional storage. The home is equipped with in-floor heating throughout and a ductless system on the second floor for both heating and cooling, updated AC unit. Added sound insulation between levels enhances comfort and privacy.Offering generous space for families or couples alike, this home also includes street parking with two neighbourhood passes (winter permits available separately), meaning no driveway maintenance.The Courthouse neighbourhood is one of St. Thomas' most charming and sought-after pockets, known for its mature tree-lined streets, historic homes, and strong sense of community. Centered around the iconic Elgin County Courthouse, the area offers a unique blend of character, walkability, and everyday convenience. With close proximity to parks, schools, and local amenities, it's a neighbourhood that combines timeless appeal with a truly livable lifestyle.
4 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $450 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 20 Victoria St
Every detail from the listing, in one place.
Type
Detached
Style
2-Storey
Living space
1100-1500 sq ftas stated on the listing
Lot size
66 x 290.045 sq ft
Basement
Full, Finished
Features & systems
Parking & garage
Parking spaces
0
Interior
Basement
Full · Finished
Lot & land
Lot dimensions
66 x 29
Lot size (sqft)
0.045
Listing & possession
Property style
2-Storey
Property class
Detached
20 Victoria St Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X13753826$495,000
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 20 Victoria St Compares to the St. Thomas Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$2,432
/mo
based on the purchase price of $495,000
$99,000 cash
$396,000 financed
$333,536 total interest
Principal54%$396,000
Interest46%$333,536
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
Want rate-drop alerts and a saved shortlist?
Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
For homeowners nearby
Own a home on Victoria Street? See what yours is worth
Get an instant estimate for your own home, based on recent sales around you. A free account shows the number and emails you the full report.
Free · No obligation · Backed by Coldwell Banker
Book a tour of 20 Victoria St with a licensed buyer's agent
Your agent is usually paid from the seller's side. We'll confirm the co-operating commission on this listing before you sign anything.
Zara, any time
Zara · AI virtual agent
Ask about 20 Victoria St day or night. Zara reads this listing and answers in plain words. When you want a person, she hands you to a licensed agent.
A licensed local agent
Your agent shows you the home, checks the paperwork and negotiates your offer, on your side, not the seller's.
Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. 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.
Similar homes for sale nearby in St. Thomas
Other 3–4 bed homes for sale in St. Thomas around $495K.
Average days on market44Homes sold in about 44 days on average.
Sale-to-list ratio97.6%On average, homes sold below asking.
Active listings243Homes for sale here right now.
Median vs prior 90 days−2.0%Compared with May 3 – Aug 1, 2026: prices down.
Based on 239 sales from Aug 1 – Oct 30, 2026 (168 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 20 Victoria St
How much is 20 Victoria St listed for?
20 Victoria St is listed at $495,000 (MLS® X13753826). Summitly updates the price as soon as the MLS® record changes.
Is $495,000 a good price for 20 Victoria St?
Summitly rates it Good Deal: the asking price is 3% to 10% below Zara's estimate, an estimate built from recent sales in St. Thomas. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 20 Victoria St changed?
No — 20 Victoria St is still listed at its original asking price of $495,000.
How many bedrooms and bathrooms does 20 Victoria St have?
20 Victoria St has 4 bedrooms and 2 bathrooms, with about 1,100–1,500 square feet of living space. It is a detached home in St. Thomas.
How much would the monthly mortgage be on 20 Victoria St?
About $2,432 a month — principal and interest on $495,000 with 20% down ($99,000), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 20 Victoria St compare with other homes in St. Thomas?
Its asking price of $495,000 is about 6% below the median sold price in St. Thomas over the last 90 days, $525,000, across 239 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 20 Victoria St been sold before?
Summitly has no earlier MLS® sale or lease of 20 Victoria St on record from the last two years. Older records aren't shown under TRREB rules.
Where is 20 Victoria St?
20 Victoria St is in St. Thomas, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 20 Victoria St been on the market?
52 days — 20 Victoria St was listed on September 8, 2026.
What is the price per square foot of 20 Victoria St?
About $330 to $450 per square foot: the asking price of $495,000 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 20 Victoria St have a basement, and is it finished?
The listing describes the basement as: Full, Finished.
What is the lot size of 20 Victoria St?
The lot measures 66 × 29 (50 acres), as published in the listing.
