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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.

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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 61 days

    Unit 55 — 45 Lake Margaret Trail

    ·St. Thomas, ON··

    • 2 beds
    St. Thomas real estate›X13173586
    • 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

    Welcome to 55-45 Lake Margaret Trail, a beautifully maintained 2+1 bedroom, 3 bathroom bungalow condo located in the quiet and peaceful Lake Margaret Station detached condo complex, built in 2006 by Doug Tarry Homes. This friendly community offers a serene setting with a small nature path and sitting area in the heart of the complex, while being conveniently close to Lake Margaret Trail, shopping, restaurants, and all local amenities. Designed for comfortable main-floor living, this home offers everything you need on one level. Step into the welcoming foyer where you'll find a bright front bedroom to your right, perfect for guests, a home office, or hobby space, complete with large front-facing windows that fill the room with natural light. Down the hall is the convenient mudroom/laundry area with direct access to the attached 2-car garage, along with a well-appointed 4-piece guest bathroom. The heart of the home features a spacious open-concept layout with plenty of natural light throughout. The kitchen offers granite countertops, a breakfast bar, ample cabinetry, and generous counter space, all overlooking the dining area with access to the back deck and the inviting living room with a cozy gas fireplace.The primary suite is tucked just off the living area and includes a spacious bedroom, his-and-hers closets, and a large 4-piece ensuite bathroom. Outside, the private back deck features privacy screens and backs onto greenery, creating a peaceful outdoor retreat. The finished lower level adds even more living space with a large rec room, third bedroom, 3-piece bathroom, and utility/storage room. A wonderful opportunity to enjoy low-maintenance living in a sought-after condo community with a welcoming neighbourhood feel.

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

    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
    May 26, 2026ListedCurrentFor sale$639,900 —X13173586This 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

      3
      Heating
      Forced Air
      Air conditioning
      Central Air
      Fireplaces
      1
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 Unit 55 — 45 Lake Margaret Trail
    What's nearby

    Points of interest classified by the MLS® feed.

    • Cul de Sac/Dead End
    • Hospital
    • Library
    • Park
    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
    $3,144
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $390
    0.73% 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 Unit 55 — 45 Lake Margaret Trail — 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 Unit 55 — 45 Lake Margaret Trail 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 Unit 55 — 45 Lake Margaret Trail listed for?

      Unit 55 — 45 Lake Margaret Trail is listed at $639,900 on the MLS® (listing X13173586). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does Unit 55 — 45 Lake Margaret Trail 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. 3 baths
  2. 1200-1399 sqft
  3. Detached Condo
  4. Built 16-30
  5. Asking
    $639,900
    $0 / sqft · MLS® X13173586
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $397,841
    $366,014Confidence range$429,669
    Asking vs estimate
    ↑↑well-above
    +$242,059
    (+60.8%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 2 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Thomas sell in about 52 days — this one has been listed 61 days.

    Avg sold price
    $544,988
    Median sold
    $525,000
    Avg days on market
    52
    Recently sold
    188
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • Step into the welcoming foyer where you'll find a bright front bedroom to your right, perfect for guests, a home office, or hobby space, complete with large front-facing windows that fill the room with natural light.
    • Down the hall is the convenient mudroom/laundry area with direct access to the attached 2-car garage, along with a well-appointed 4-piece guest bathroom.
    • The heart of the home features a spacious open-concept layout with plenty of natural light throughout.
    • Outside, the private back deck features privacy screens and backs onto greenery, creating a peaceful outdoor retreat.
    Ask Zara a follow-up

    Parking & garage

    4
    Garage
    Attached
    Garage spaces
    2
    Parking spaces
    4
    Driveway
    2
  7. Interior

    5
    Basement
    Full, Finished
    Family room
    Y
    Kitchens
    1
    Total rooms
    8
    Laundry level
    Main Level
  8. Exterior & construction

    5
    Exterior
    Brick
    Roof
    Asphalt Shingle
    Foundation
    Poured Concrete
    Patio
    None
    Balcony
    None
  9. Lot & land

    2
    Year built
    16-30
    Zoning
    R3-97
  10. Listing & possession

    3
    Occupancy
    FLEXIBLE
    Property style
    Bungalow
    Property class
    Detached Condo
  11. Room-by-room · 13 rooms

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

    Room dimensions

    Main level

    9 rooms
    • Bathroom
      4 Pc Ensuite
      8.7 × 10.0 ft
    • Mud Room
      Combined w/Laundry
      8.9 × 5.9 ft
    • Dining Room
      W/O To Deck
      10.4 × 12.4 ft
    • Primary Bedroom
      his and hers closets · 4 pc ensuite
      10.3 × 21.0 ft
    • Living Room
      Gas Fireplace
      13.2 × 11.8 ft
    • Bathroom
      4 Pc Bath
      4.4 × 9.1 ft
    • Kitchen
      breakfast bar · granite counters
      13.1 × 15.6 ft
    • Bedroom 2
      Combined w/Office
      10.3 × 10.9 ft
    • Foyer
      4.6 × 14.4 ft

    Basement level

    4 rooms
    • Bathroom
      3 Pc Bath
      11.8 × 7.2 ft
    • Utility Room
      33.8 × 23.5 ft
    • Recreation
      20.3 × 24.2 ft
    • Bedroom 3
      11.9 × 10.5 ft

    Condo corporation & monthly fees

    Maintenance fee, what's included, locker, exposure, amenities, and condo corp details.

    Monthly maintenance
    Condo corp fees
    $237
    per month
    Building details
    • Unit55
    • Storeys (building)ONE
    • ExposureSouth
    • LockerNone
    • Parking typePrivate
    • Pet policyYes-with Restrictions
    • Ensuite laundryY
    • Condo corpEVLCC
    • Corp #25
    • Property managerDICKENSON
  12. Place Of Worship
  13. Public Transit
  14. Combined estimate
    $3,534
    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
    $3,144
    /mo
    based on the purchase price of $639,900
    $127,980 cash
    $511,920 financed
    $431,171 total interest
    Monthly payment$3,144/ month
    Principal54%$511,920
    Interest46%$431,171

    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 and condo fees.

    Comparable detached condos that just sold in St. Thomas

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 20 Windemere Place
      Sold
      Sign in for price
      20 Windemere Place
      Detached Condo
    • 120 Southgate Parkway
      Sold
      Sign in for price
      120 Southgate Parkway
      Detached Condo
    • 234 PEACH TREE Boulevard
      Sold
      Sign in for price
      234 PEACH TREE Boulevard
      Detached Condo
    • 234 Peach Tree Boulevard
      Sold
      Sign in for price
      234 Peach Tree Boulevard
      Detached Condo
    • 77 Princess Avenue
      Sold
      Sign in for price
      77 Princess Avenue
      Detached Condo
    • 234 Peach Tree Boulevard
      Sold
      Sign in for price
      234 Peach Tree Boulevard
      Detached Condo
    AddressBd / BaSqftSold$/sqft% of askSold
    Unit 55 — 45 Lake Margaret TrailThis home2 / 312,001,399$639,900ask———
    20 Windemere Place2 / 31,200—
    120 Southgate Parkway2 / 31,200—
    Sold prices are hidden under TRREB rules. to reveal them.

    More detached condos in St. Thomas

    Active listings within ±20% of this asking price.

    • 234 Peach Tree Boulevard
      $745,000
      234 Peach Tree Boulevard
      Detached Condo 2 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 RE/MAX CENTRE CITY REALTY INC. · displayed on Summitly per MLS® data-share rules

    Unit 55 — 45 Lake Margaret Trail is a 2-bedroom, 3-bath, 1200-1399 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  19. When was Unit 55 — 45 Lake Margaret Trail built?

    Unit 55 — 45 Lake Margaret Trail was built in 16-30. Construction style, foundation, roof material, and EnerGuide rating (when published) are in the 'Features' section above.

  20. What is the property tax for Unit 55 — 45 Lake Margaret Trail?

    The 'Property tax' tab in the History section shows the most recent annual tax for Unit 55 — 45 Lake Margaret Trail plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  21. How much would the monthly mortgage be on Unit 55 — 45 Lake Margaret Trail?

    The affordability calculator on this page shows an estimated monthly mortgage for $639,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  22. Has Unit 55 — 45 Lake Margaret Trail been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of Unit 55 — 45 Lake Margaret Trail with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  23. What neighbourhood is Unit 55 — 45 Lake Margaret Trail in?

    Unit 55 — 45 Lake Margaret Trail 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. 234 PEACH TREE Boulevard
    2 / 3
    1,400
    —
    234 Peach Tree Boulevard2 / 21,400—
    77 Princess Avenue2 / 21,200—
    234 Peach Tree Boulevard2 / 31,400—