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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
1-333-345-6868info@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 Listed 5 days ago

    3 Margaret Street

    St. Thomas·St. Thomas, ON·N5R 3H5·Near MARGARET ST. & VICTORIA ST.

    • 5 beds
    St. Thomas real estate›X13424602
    • 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

    Location, Location! This beautiful 2.5 storey century home is located in the sought after courthouse district and ready to be enjoyed by the whole family. With ravine views from the covered front porch as you enter the home you are welcomed by hardwood floors throughout the generous sized living room complete with gas fireplace leading to the formal dining room and updated GCW kitchen as well as heated mudroom. The second floor is home to 4 bedrooms and a 4 pc bathroom and leads to the 5th bedroom on the third floor feeling more like a private suite with its own heat pump installed proving heat and air conditioning. The basement is unfinished with laundry and storage space.

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

    AI highlights by Zara
    • The basement is unfinished with laundry and storage space.
    Ask Zara a follow-up
    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
    Jun 10, 2026ListedCurrentFor sale$504,900 —X13424602This page
    Mar 29, 2026Previously listedTer$504,900 —X12934356View
    Feb 10, 2023SoldSold$495,000 unchangedX7810793View
    Jan 10, 2023Previously listedSld$495,000 —X7810793View
    Oct 5, 2022Previously listedExp$549,900 —X7972011View
    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, Other
      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.

    📍 3 Margaret 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
    $2,480
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $270
    0.64% 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
      $554,727
      Last 30 days
    • Median sold price
      $540,260
      Middle of the market
    • Days on market
      45 d
      Avg from list to close
    • Closed last 30d
      164
      MLS® transactions
    Full St. Thomas market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 3 Margaret 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 3 Margaret 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 3 Margaret Street listed for?

      3 Margaret Street is listed at $504,900 on the MLS® (listing X13424602). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 3 Margaret 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
    $504,900
    $0 / sqft · MLS® X13424602
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $754,429
    $694,074Confidence range$814,783
    Asking vs estimate
    ↓below
    −$249,529
    (-33.1%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 5 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Thomas sell in about 45 days — this one has been listed 5 days.

    Avg sold price
    $554,727
    Median sold
    $540,260
    Avg days on market
    45
    Recently sold
    164
    See comparable sales
    Sewer
  7. Parking & garage

    4
    Garage
    Detached
    Garage spaces
    1
    Parking spaces
    3
    Driveway
    Private Double
  8. Interior

    5
    Basement
    Unfinished
    Family room
    N
    Kitchens
    1
    Total rooms
    11
    Laundry level
    Lower Level
  9. Exterior & construction

    4
    Exterior
    Brick
    Roof
    Metal
    Foundation
    Block
    Pool
    None
  10. Lot & land

    1
    Year built
    100+
  11. Listing & possession

    3
    Possession
    2026-06-24T00:00:00.000-00:00
    Property style
    2 1/2 Storey
    Property class
    Detached
  12. Room-by-room · 8 rooms

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

    Room dimensions

    Main level

    4 rooms
    • Kitchen
      8.8 × 9.4 ft
    • Foyer
      8.4 × 8.8 ft
    • Living Room
      12.2 × 17.5 ft
    • Dining Room
      13.7 × 11.2 ft

    Second level

    3 rooms
    • Bedroom
      9.6 × 12.1 ft
    • Bedroom
      9.2 × 12.7 ft
    • Bedroom
      9.5 × 11.1 ft

    Third level

    1 room
    • Bedroom
      26.2 × 16.2 ft
    Combined estimate
    $2,750
    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
    $2,480
    /mo
    based on the purchase price of $504,900
    $100,980 cash
    $403,920 financed
    $340,207 total interest
    Monthly payment$2,480/ month
    Principal54%$403,920
    Interest46%$340,207

    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.

    • 10 Cider Mill Lane
      Sold
      Sign in for price
      10 Cider Mill Lane
      Detached
    • 26 Nolan Street
      Sold
      Sign in for price
      26 Nolan Street
      Detached
    • 170 Wilson Avenue
      Sold
      Sign in for price
      170 Wilson Avenue
      Detached
    • 28 Lucas Road
      Sold
      Sign in for price
      28 Lucas Road
      Detached
    • 1 Honey Bend
      Sold
      Sign in for price
      1 Honey Bend
      Detached
    • 10.5 Celestine Street
      Sold
      Sign in for price
      10.5 Celestine Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    3 Margaret StreetThis home5 / 215,002,000$504,900ask———
    10 Cider Mill Lane4 / 32,000—
    26 Nolan Street4 / 21,100—
    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.

    • 225 Ross Street
      $421,500
      225 Ross Street
      Detached 4 2
    • 95 Myrtle Street
      $569,999
      95 Myrtle Street
      Detached 4 2
    • 39 Hitch Crescent
      $549,900
      39 Hitch Crescent
      Detached 4 2
    • 7 Myrtle Street
      $524,900
      7 Myrtle Street
      Detached 4 2
    • 46 Gladstone Avenue
      $509,900
      46 Gladstone Avenue
      Detached 5 3
    • 61 Alma Street
      $549,900
      61 Alma Street
      Detached 4 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.

  13. One team, no handoffs

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

  14. Showings on YOUR schedule

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

  15. Mortgage that closes

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

  16. Public listing courtesy of RE/MAX CENTRE CITY REALTY INC. · displayed on Summitly per MLS® data-share rules

    3 Margaret Street is a 5-bedroom, 2-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 3 Margaret Street built?

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

  18. What is the property tax for 3 Margaret Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 3 Margaret Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 3 Margaret Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $504,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 3 Margaret Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 3 Margaret Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 3 Margaret Street in?

    3 Margaret 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.

  22. 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.

  23. 170 Wilson Avenue
    4 / 3
    1,500
    —
    28 Lucas Road4 / 32,000—
    1 Honey Bend4 / 42,500—
    10.5 Celestine Street4 / 21,500—