34 Pear Tree Avenue, St. Thomas

$524,900
34 Pear Tree Avenue

$524,900

New
23d
Semi-Detached Bungalow

34 Pear Tree Avenue, St. Thomas

Total Monthly Obligation $2,819

HausQ Valuation Report
Beds
3
Baths
3
Park
3
Sqft
1100-1500
DOM
23d
Score
23
Yield
6.1%
Cash on Cash
1.2%
Cap Rate
4.8%
5Y IRR
16.5%
10Y IRR
15.4%
Property Type-Semi-Detached
MLS® Number-X13842458
Beds-3
Bathrooms-3
Size-1100-1500 sqft
Lot Size-34.04 × 114.83 ft
Listed on site-Sep 30, 2026
Style-Bungalow
Building Type-Semi-Detached
Taxes-$3,926 (2025)
Parking-3 - Attached
Basement-Finished
Heating-Forced Air (Gas)
Brokerage-ELGIN REALTY LIMITED
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-FLEXIBLE
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to 34 Pear Tree Avenue - comfortable, move-in ready living in St. Thomas' desirable Orchard Park neighbourhood. Built by Hayhoe, this well-maintained semi-detached home offers a thoughtfully designed layout with easy one-floor living plus a fully finished lower level for added space. The bright main floor features an open-concept kitchen with black quartz countertops overlooking the spacious great room, where cathedral ceilings create an airy, inviting feel. Step outside through the walkout to enjoy the landscaped backyard and deck - a great space for morning coffee, entertaining, or relaxing at the end of the day. The main level also includes a generous primary bedroom with walk-in closet and ensuite, a second bedroom, convenient main-floor laundry, and an attached garage. Downstairs, the finished basement extends your living space with a large recreation room, third bedroom, full bathroom, and plenty of storage - ideal for guests, family, hobbies, or a comfortable home office setup. Situated close to parks, schools, walking trails, shopping, and everyday amenities, 34 Pear Tree Avenue offers the space, convenience, and low-maintenance lifestyle you've been looking for.

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(utilities, internet...)
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Closing Costs

Mortgage Amount
$419,920
Land Transfer Taxes$6,973
Legal Fees (Est.)
$
Total cash required for closing$113,453

Total Monthly Obligation

$2,819/mo
Mortgage $2,117
Monthly Loss $2,262
Principal$557
Interest$1,560
Property Tax$327
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.8%25
Cash-on-Cash
-4.6%3
5-Year IRR
12.0%50
10-Year IRR
12.2%
Returns Index
26.2/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
23/ 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
$31,800/yr
NOI
$20,194/yr
Net Cash Flow
-$434/mo
Cash Margin
-16.4%0
Cash Flow Index
0.2/ 100
Risk Profile
Weight: 20%
DSCR
0.7914
LTV Ratio
80.0%18
Vacancy Buffer
3.4 mo58
Risk Index
30.0/ 100

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

Comparables

Properties near 34 Pear Tree Avenue

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.

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Data last updated within the past 24 hours.