**LEGAL BASEMENT** Welcome to 22 Montgomery Rd, St. Thomas, an exceptional opportunity for homeowners and investors alike! This versatile property features a bright and spacious 3-bedroom, 1-bathroom main floor with an open-concept kitchen showcasing impressive vaulted ceilings, creating an inviting space for everyday living and entertaining. The fully legal basement apartment offers an additional 3 bedrooms, 1 bathroom, a full kitchen, and a generous living area, making it ideal for multi-generational living or generating rental income to help offset your mortgage. Whether you're looking to live in one unit and rent the other or expand your investment portfolio, this property delivers outstanding flexibility and value. Conveniently located close to schools, parks, shopping, restaurants, grocery stores, and all everyday amenities, with easy access to London and Highway 401, this home is perfectly situated in one of Southwestern Ontario's fastest-growing communities. Don't miss your chance to own this legal duplex offering incredible income potential and long-term value.
3 bedrooms, 2 bathrooms, about 1,100 sq ft, works out to roughly $518 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 22 Montgomery Rd
Every detail from the listing, in one place.
Type
Detached
Style
Bungalow
Living space
1100-1500 sq ftas stated on the listing
Parking
5 spacesYes garage
Basement
Finished with Walk-Out
Features & systems
Parking & garage
Garage
Yes
Parking spaces
5
Interior
Basement
Finished with Walk-Out
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
Bungalow
Property class
Detached
22 Montgomery Rd Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14113328$569,999
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 22 Montgomery Rd 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
$2,800
/mo
based on the purchase price of $569,999
$114,000 cash
$455,999 financed
$384,071 total interest
Principal54%$455,999
Interest46%$384,071
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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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
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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 2–4 bed homes for sale in St. Thomas around $570K.
Average days on market44Homes sold in about 44 days on average.
Sale-to-list ratio97.5%On average, homes sold below asking.
Active listings251Homes for sale here right now.
Median vs prior 90 days−2.9%Compared with Apr 27 – Jul 26, 2026: prices down.
Based on 243 sales from Jul 26 – Oct 24, 2026 (163 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 22 Montgomery Rd
How much is 22 Montgomery Rd listed for?
22 Montgomery Rd is listed at $569,999 (MLS® X14113328). Summitly updates the price as soon as the MLS® record changes.
Is $569,999 a good price for 22 Montgomery Rd?
Summitly rates it Above Market: the asking price is 5% to 15% above 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 22 Montgomery Rd changed?
No — 22 Montgomery Rd is still listed at its original asking price of $569,999.
How many bedrooms and bathrooms does 22 Montgomery Rd have?
22 Montgomery Rd has 3 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 22 Montgomery Rd?
About $2,800 a month — principal and interest on $569,999 with 20% down ($114,000), 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 22 Montgomery Rd compare with other homes in St. Thomas?
Its asking price of $569,999 is about 9% above the median sold price in St. Thomas over the last 90 days, $525,000, across 243 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 22 Montgomery Rd been sold before?
Summitly has no earlier MLS® sale or lease of 22 Montgomery Rd on record from the last two years. Older records aren't shown under TRREB rules.
Where is 22 Montgomery Rd?
22 Montgomery Rd is in St. Thomas, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 22 Montgomery Rd been on the market?
1 day — 22 Montgomery Rd was listed on October 23, 2026.
What is the price per square foot of 22 Montgomery Rd?
About $380 to $518 per square foot: the asking price of $569,999 over the 1,100–1,500 sq ft the listing gives as its size range.
Does 22 Montgomery Rd have parking or a garage?
Yes — the listing gives 5 parking spaces. Garage: Yes.
Does 22 Montgomery Rd have a basement, and is it finished?
The listing describes the basement as: Finished with Walk-Out.
