45 Harrow Lane is a 3-bedroom, 2-bathroom semi-detached home in St. Thomas, listed for $542,300. It has 1500-2000 sq ft of living space.
1A Kitchen, Dining Area, Great Room & Powder Room occupy the main level.
2The second level features 3 spacious Bedrooms including the Primary Bedroom (complete with 3pc Ensuite & Walk-in Closet) as well as a 4pc main Bathroom.
3The unfinished basement is a blank canvas, ready for you to design tailored to your needs.
HST REMOVED! Welcome to the Elmwood model located in Harvest Run. This Doug Tarry built, 2-storey semi detached is the perfect starter home. A Kitchen, Dining Area, Great Room & Powder Room occupy the main level. The second level features 3 spacious Bedrooms including the Primary Bedroom (complete with 3pc Ensuite & Walk-in Closet) as well as a 4pc main Bathroom. The unfinished basement is a blank canvas, ready for you to design tailored to your needs. Notable Features: Luxury Vinyl Plank & Carpet Flooring, Tiled Backsplash & Quartz countertops in Kitchen, Covered Front Porch & Attached 1.5 Car Garage. This High Performance Doug Tarry Home is both Energy Star & Net Zero Ready. A fantastic location with walking trails & park. All that is left to do is move in, get comfortable & Enjoy! Welcome Home! *Price reflects HST rebate. Rebate subject to government approval and buyer eligibility. Seller makes no representations. Price may change if rebate not applicable.
3 bedrooms, 2 bathrooms, about 1,500 sq ft, works out to roughly $362 per square foot. Chat with Zara if you'd like a deeper read on whether this semi-detached fits your budget and timing.
Inside 45 Harrow Lane
Every detail from the listing, in one place.
Type
Semi-Detached
Style
2-Storey
Living space
1500-2000 sq ftas stated on the listing
Parking
3 spacesYes garage
Basement
Unfinished
Features & systems
Parking & garage
Garage
Yes
Parking spaces
3
Interior
Basement
Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
2-Storey
Property class
Semi-Detached
45 Harrow Lane Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
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
$2,664
/mo
based on the purchase price of $542,300
$108,460 cash
$433,840 financed
$365,407 total interest
Principal54%$433,840
Interest46%$365,407
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.
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Similar homes for sale nearby in St. Thomas
Other 2–3 bed homes for sale in St. Thomas around $542K.
Average days on market44Homes sold in about 44 days on average.
Sale-to-list ratio97.6%On average, homes sold below asking.
Active listings244Homes for sale here right now.
Median vs prior 90 days−1.1%Compared with May 7 – Aug 5, 2026: prices down.
Based on 238 sales from Aug 5 – Nov 3, 2026 (165 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 45 Harrow Lane
How much is 45 Harrow Lane listed for?
45 Harrow Lane is listed at $542,300 (MLS® X13583214). Summitly updates the price as soon as the MLS® record changes.
Is $542,300 a good price for 45 Harrow Lane?
Summitly rates it Excellent Deal: the asking price is 10% or more 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 45 Harrow Lane changed?
Yes — it was first listed at $555,221 and is now $542,300, a drop of $12,921 (2.3%).
How many bedrooms and bathrooms does 45 Harrow Lane have?
45 Harrow Lane has 3 bedrooms and 2 bathrooms, with about 1,500–2,000 square feet of living space. It is a semi-detached home in St. Thomas.
How much would the monthly mortgage be on 45 Harrow Lane?
About $2,664 a month — principal and interest on $542,300 with 20% down ($108,460), 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 45 Harrow Lane compare with other homes in St. Thomas?
Its asking price of $542,300 is about 3% above the median sold price in St. Thomas over the last 90 days, $525,000, across 238 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 45 Harrow Lane been sold before?
Summitly has no earlier MLS® sale or lease of 45 Harrow Lane on record from the last two years. Older records aren't shown under TRREB rules.
Where is 45 Harrow Lane?
45 Harrow Lane is in St. Thomas, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 45 Harrow Lane been on the market?
106 days — 45 Harrow Lane was listed on July 20, 2026.
What is the price per square foot of 45 Harrow Lane?
About $271 to $362 per square foot: the asking price of $542,300 over the 1,500–2,000 sq ft the listing gives as its size range.
Does 45 Harrow Lane have parking or a garage?
Yes — the listing gives 3 parking spaces. Garage: Yes.
Does 45 Harrow Lane have a basement, and is it finished?
The listing describes the basement as: Unfinished.
