46 Rosebery Place, St. Thomas

$489,900
46 Rosebery Place

$489,900

New
25d
Detached2-Storey

46 Rosebery Place, St. Thomas

Total Monthly Obligation $2,777

Beds
3
Baths
3
Park
6
Sqft
1500-2000
DOM
25d
Score
29
Yield
7.6%
Cash on Cash
6.7%
Cap Rate
6.0%
5Y IRR
20.9%
10Y IRR
19.0%
Property Type-Detached
MLS® Number-X13838332
Beds-3
Bathrooms-3
Size-1500-2000 sqft
Lot Size-40 × 150 ft
Listed on site-Sep 28, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$5,114.27 (2025)
Parking-6 - None
Basement-Partially Finished
Heating-Water (Gas)
Brokerage-ROYAL LEPAGE TRILAND REALTY
Cooling-Wall Unit(s)
Laundry-No
Fireplace-Family Room, Natural Gas, Rec Room, Other, Fireplace Insert
Pool-None
Facing-South
Exterior-Brick
Roof-Shingles
Foundation-Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Set on a mature, tree-lined street in St. Thomas's sought-after Courthouse area, this triple-brick home offers 3 bedrooms, 2.5 bathrooms and spacious rooms filled with character. A long private driveway provides ample parking, while a front porch with sunroom and a two-bay storage building add to the property's appeal. Inside, hardwood floors lead through a bright living room with a decorative fireplace and a separate dining room. The eat-in kitchen has abundant cabinetry, included appliances and room for a cozy seating area. It opens to a generous family room with a gas fireplace, hardwood floors and a bay window overlooking the backyard. At the rear of the home, a mudroom with closet connects the deck and yard to the main-floor laundry and three-piece bathroom. Upstairs, refinished hardwood floors continue through three roomy bedrooms. The primary suite features a gas fireplace, walk-in closet and access to a cheater ensuite with a deluxe tub and shower unit. Downstairs, you'll find a rec room with a third gas fireplace, a powder room and storage space. Enjoy the fenced yard, spacious entertaining deck and treed views. Ductless A/C units (2026) on both the main and second floors provide year-round comfort. With its generous layout and distinctive details, this home is ready for your personal touch.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$391,920
Land Transfer Taxes$6,273
Legal Fees (Est.)
$
Total cash required for closing$105,753

Total Monthly Obligation

$2,777/mo
Mortgage $1,976
Monthly Loss $2,257
Principal$520
Interest$1,456
Property Tax$426
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.9%36
Cash-on-Cash
0.1%8
5-Year IRR
15.9%76
10-Year IRR
15.4%
Returns Index
40.9/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
29/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$37,200/yr
NOI
$23,866/yr
Net Cash Flow
$13/mo
Cash Margin
0.4%5
Cash Flow Index
5.1/ 100
Risk Profile
Weight: 20%
DSCR
1.0127
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo58
Risk Index
34.6/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 46 Rosebery Place

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.