Available on mobile

Take Summitly with you.

Browse listings, get instant alerts, and talk to your AI concierge — all from your pocket.

Download on theApp StoreGet it onGoogle Play

Weekly market briefing

The smartest move starts here.

Curated listings, price trends, and neighbourhood insights — delivered Sunday morning.

Summitly

Your trusted partner in real estate. We help you find your perfect home, make informed decisions, and connect with expert professionals across Canada.

Explore

Map SearchBrowse ListingsBrowse RentalsSold HomesOpen Houses

Sell & Rent

Sell Your HomeHome ValuationList Your Rental — FreeRental PricingRenting on Summitly

Resources

CalculatorsGet Pre-QualifiedNews & InsightsGuidesBlogAI ConciergeFranchise

Company

AboutContactFind a RealtorCareers — Join SummitlyFAQs
310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

Privacy PolicyTerms of UseCookiesSitemap

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.

    Summitly Logo
    Buy
    Sell
    Rent
    Pre-con
    Meet ZaraMy HomeNews & Insights
    HomeBuySell
    For sale On market 228 daysPrice drop · $15,100 off (-3.2%)

    12 Chester Street

    St. Thomas·St. Thomas, ON·N5R 1T8·Near Chester and sunset

    • 1 bed
    St. Thomas real estate›X12465385
    • 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

    Situated in a peaceful pocket of St. Thomas, 12 Chester Street offers an uncommon combination of privacy, scale, and adaptability on just over half an acre. With nearly 4,000 square feet of finishable space, this property is designed for those who see value not just in what a space is today, but in what it can become. Zoned R3-108, the property includes an amendment permitting a 10 m x 15 m garage on the northeast portion of the lot. With evolving provincial housing standards, there may be future potential for this structure to support an auxiliary dwelling unit, subject to municipal approvals. The current open-concept floor plan provides a clean, neutral foundation that allows for a wide range of uses and layouts. The upper level includes two half bathrooms, an office area, and a large open space offering exceptional flexibility. The lower level features a kitchen, additional living space, a full bathroom, laundry, and generous storage. A rear entrance, along with extra-wide staircases at both the front and back, provides practical convenience while allowing for flexible future layouts. Quiet, flexible, and opportunity-driven, 12 Chester Street is a property that rewards vision. Roof replaced 2023

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

    AI highlights by Zara
    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 21, 2026Price reducedCurrentReduced$454,900−$15,100 (3.2%)X12465385This page
    Jun 3, 2026Previously listedSce$454,900 —X13240064View
    Oct 15, 2025ListedCurrentFor sale$470,000 —X12465385This page
    Jul 8, 2025Previously listedTer$474,990 —X12269777View
    Jun 2, 2025Previously listedExp$474,990 —X12189153View
    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
      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.

    📍 12 Chester Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Arts Centre
    • Hospital
    • Level
    • Library
    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
    $2,235
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $145
    0.38% 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
      $550,874
      Last 30 days
    • Median sold price
      $537,121
      Middle of the market
    • Days on market
      49 d
      Avg from list to close
    • Closed last 30d
      168
      MLS® transactions
    Full St. Thomas market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 12 Chester 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 12 Chester 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 12 Chester Street listed for?

      12 Chester Street is listed at $454,900 on the MLS® (listing X12465385). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 12 Chester 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. 3 baths
  2. 1500-2000 sqft
  3. Detached
  4. .50-1.99 ac lot
  5. Asking
    $454,900
    $0 / sqft · MLS® X12465385
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $336,033
    $309,150Confidence range$362,916
    Asking vs estimate
    ↑↑well-above
    +$118,867
    (+35.4%)
    Asking is well above
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 1 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Thomas sell in about 49 days — this one has been listed 228 days.

    Avg sold price
    $550,874
    Median sold
    $537,121
    Avg days on market
    49
    Recently sold
    168
    See comparable sales
    With nearly 4,000 square feet of finishable space, this property is designed for those who see value not just in what a space is today, but in what it can become.
  7. Zoned R3-108, the property includes an amendment permitting a 10 m x 15 m garage on the northeast portion of the lot.
  8. The upper level includes two half bathrooms, an office area, and a large open space offering exceptional flexibility.
  9. The lower level features a kitchen, additional living space, a full bathroom, laundry, and generous storage.
  10. Ask Zara a follow-up
    Sewer
  11. Parking & garage

    3
    Garage
    None
    Parking spaces
    10
    Driveway
    10
  12. Interior

    4
    Basement
    Finished with Walk-Out, Separate Entrance, Walk-Out
    Family room
    N
    Kitchens
    1
    Total rooms
    12
  13. Exterior & construction

    4
    Exterior
    Brick
    Roof
    Asphalt Shingle
    Foundation
    Concrete, Other, Poured Concrete, Wood Frame
    Pool
    None
  14. Lot & land

    1
    Zoning
    R3-108
  15. Listing & possession

    3
    Occupancy
    flexible
    Property style
    Bungalow
    Property class
    Detached
  16. Room-by-room · 12 rooms

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

    Room dimensions

    Main level

    5 rooms
    • Foyer
      2 Pc Bath
      19.7 × 18.5 ft
    • Bathroom
      5.5 × 4.7 ft
    • Office
      2 Pc Bath
      13.8 × 9.9 ft
    • Bathroom
      5.5 × 4.8 ft
    • Great Room
      tile ceiling · walk-out
      40.1 × 40.7 ft

    Basement level

    7 rooms
    • Primary Bedroom
      18.7 × 25.6 ft
    • Family Room
      Walk-Out
      23.1 × 14.6 ft
    • Utility Room
      9.8 × 11.3 ft
    • Bathroom
      11.4 × 13.3 ft
    • Dining Room
      16.8 × 14.2 ft
    • Kitchen
      Eat-in Kitchen
      16.2 × 14.6 ft
    • Laundry
      15.0 × 15.0 ft
  17. Park
  18. Place Of Worship
  19. Combined estimate
    $2,380
    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
    $2,235
    /mo
    based on the purchase price of $454,900
    $90,980 cash
    $363,920 financed
    $306,516 total interest
    Monthly payment$2,235/ month
    Principal54%$363,920
    Interest46%$306,516

    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.

    • 75 CHESTER Street
      Sold
      Sign in for price
      75 CHESTER Street
      Detached
    • 64 Dunkirk Drive
      Sold
      Sign in for price
      64 Dunkirk Drive
      Detached
    • 39 Hitch Crescent
      Sold
      Sign in for price
      39 Hitch Crescent
      Detached
    • 67 Donker Drive
      Sold
      Sign in for price
      67 Donker Drive
      Detached
    • 18 Montgomery Road
      Sold
      Sign in for price
      18 Montgomery Road
      Detached
    • 39 William Street
      Sold
      Sign in for price
      39 William Street
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    12 Chester StreetThis home1 / 315,002,000$454,900ask———
    75 CHESTER Street3 / 21,100—
    64 Dunkirk Drive3 / 1700—
    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.

    • 43 Stirling Crescent
      $429,900
      43 Stirling Crescent
      Detached 3 2
    • 27 Cook Crescent
      $532,500
      27 Cook Crescent
      Detached 3 2
    • 180 FOREST Avenue
      $479,900
      180 FOREST Avenue
      Detached 2 2
    • 14 Glanworth Avenue
      $449,900
      14 Glanworth Avenue
      Detached 4 2
    • 21 Mariam Street
      $432,000
      21 Mariam Street
      Detached 3 1
    • 30 Erinlea Drive
      $539,900
      30 Erinlea Drive
      Detached 3 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.

  20. One team, no handoffs

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

  21. Showings on YOUR schedule

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

  22. Mortgage that closes

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

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

    12 Chester Street is a 1-bedroom, 3-bath, 1500-2000 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  24. When was 12 Chester Street built?

    The year built for 12 Chester Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  25. What is the property tax for 12 Chester Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 12 Chester Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  26. How much would the monthly mortgage be on 12 Chester Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $454,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  27. Has 12 Chester Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 12 Chester Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  28. What neighbourhood is 12 Chester Street in?

    12 Chester 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.

  29. 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.

  30. 39 Hitch Crescent
    4 / 2
    1,100
    —
    67 Donker Drive2 / 31,100—
    18 Montgomery Road2 / 1700—
    39 William Street3 / 22,500—