32 Charter Creek Court, St. Thomas

$569,900
32 Charter Creek Court

$569,900

New
24d
Att/Row/TownhouseBungalow

32 Charter Creek Court, St. Thomas

Total Monthly Obligation $2,982

Beds
3
Baths
3
Park
2
Sqft
1100-1500
DOM
24d
Score
21
Yield
5.6%
Cash on Cash
-0.3%
Cap Rate
4.5%
5Y IRR
15.3%
10Y IRR
14.4%
Property Type-Att/Row/Townhouse
MLS® Number-X13841704
Beds-3
Bathrooms-3
Size-1100-1500 sqft
Lot Size-26.42 × 118.78 ft
Listed on site-Sep 29, 2026
Style-Bungalow
Building Type-Att/Row/Townhouse
Taxes-$3,702 (2025)
Parking-3 - Attached
Basement-Finished, Full
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE TRILAND REALTY
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Shingles
Foundation-Poured Concrete
Sewer-Sewer
Possession-60-89 days
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Quiet cul-de-sac. No rear neighbours. No condo fees. This freehold townhome works for first-time buyers, downsizers and investors alike. Enjoy a carpet-free main floor, a cozy fireplace, and a primary suite with two closets and a 3-piece ensuite. The kitchen has a gas stove, water-and-ice fridge, and pull-out drawers and racks for pots and pans. A Murphy bed with its own outlet and light switch is ready for overnight guests, then folds up quickly to create a sitting room or home office. Downstairs, the finished basement has a bedroom, a third bathroom and a family room. Lots of storage, plus a double-wide driveway that fits two large SUVs. Appliances included. Two lawn mowers and garden tools negotiable.

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

Closing Costs

Mortgage Amount
$455,920
Land Transfer Taxes$7,873
Legal Fees (Est.)
$
Total cash required for closing$123,353

Total Monthly Obligation

$2,982/mo
Mortgage $2,299
Monthly Loss $2,377
Principal$605
Interest$1,694
Property Tax$309
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.6%23
Cash-on-Cash
-5.8%2
5-Year IRR
11.1%43
10-Year IRR
11.5%
Returns Index
22.7/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
21/ 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
$31,896/yr
NOI
$20,504/yr
Net Cash Flow
-$590/mo
Cash Margin
-22.2%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7412
LTV Ratio
80.0%18
Vacancy Buffer
3.2 mo54
Risk Index
28.0/ 100

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

Comparables

Properties near 32 Charter Creek Court

Time

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