12 Chester Street, St. Thomas

$454,900
12 Chester Street

$454,900

New
22d
DetachedBungalow

12 Chester Street, St. Thomas

Total Monthly Obligation $2,355

Beds
1
Baths
3
Park
10
Sqft
2000-2500
DOM
22d
Yield
7.9%
Cash on Cash
11.1%
Cap Rate
7.0%
5Y IRR
24.5%
10Y IRR
22.1%
Property Type-Detached
MLS® Number-X13851930
Beds-1
Bathrooms-3
Size-2000-2500 sqft
Lot Size-101.36 × 125.37 ft
Listed on site-Oct 1, 2026
Style-Bungalow
Building Type-Detached
Age-100+
Taxes-$1,739 (2025)
Parking-10 - None
Basement-Finished with Walk-Out, Separate Entrance, Walk-Out
Heating-Forced Air (Gas)
Brokerage-RE/MAX CENTRE CITY REALTY INC
Cooling-Central Air
Laundry-No
Fireplace-No
Pool-None
Facing-South
Exterior-Brick
Roof-Asphalt Shingle
Foundation-Concrete, Other, Poured Concrete, Wood Frame
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to 12 Chester Street, a rare and inspiring property in the heart of St. Thomas. Originally built in 1890 as a church, this unique structure blends historic charm with the flexibility and space today's buyers and investors are seeking. Spanning approximately 2,192 square feet on the main and 1700 on 5he lower levels, the building offers nearly 3900 square feet of total living space. The main floor features a large great room with soaring ceilings and abundant natural light, a welcoming foyer, two 2-piece bathrooms, and a spacious office-ideal for remote work or creative use. The lower level is fully equipped for residential living, with a full eat-in kitchen, dining area, living space, primary bathroom, laundry room, and bedroom quarters. It's a comfortable layout that suits a variety of living or rental scenarios. Zoned R3, this property presents exciting potential for conversion into a triplex. There is also a possibility for the construction of a large garage with an additional dwelling unit above-offering further options for added living space or rental income, and parking for 10 cars. Set on just over half an acre and located close to local amenities, parks, and schools, this property combines historic character with modern opportunity. Whether you're looking to invest, redevelop, or settle into a truly one-of-a-kind space, 12 Chester Street offers a canvas full of possibility. Explore the potential! This is a property that invites your imagination. Roof replaced 2023

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Closing Costs

Mortgage Amount
$363,920
Land Transfer Taxes$5,573
Legal Fees (Est.)
$
Total cash required for closing$98,053

Total Monthly Obligation

$2,355/mo
Mortgage $1,835
Monthly Loss $1,872
Principal$483
Interest$1,352
Property Tax$145
Home Insurance$125
Variable Costs$250

No rent estimate available. Enter a monthly rent in Assumptions & Inputs below to calculate.

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

Comparables

Properties near 12 Chester Street

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.