20 Alma Street, St. Thomas

$424,900
20 Alma Street

$424,900

New
17d
Detached2-Storey

20 Alma Street, St. Thomas

Total Monthly Obligation $2,324

Beds
3
Baths
2
Park
6
Sqft
1500-2000
DOM
17d
Score
32
Yield
7.6%
Cash on Cash
8.2%
Cap Rate
6.3%
5Y IRR
22.2%
10Y IRR
20.1%
Property Type-Detached
MLS® Number-X13867880
Beds-3
Bathrooms-2
Size-1500-2000 sqft
Lot Size-65.78 × 179.22 ft
Listed on site-Oct 6, 2026
Style-2-Storey
Building Type-Detached
Age-100+
Taxes-$2,824 (2025)
Parking-6 - None
Basement-Walk-Up
Heating-Radiant (Gas)
Brokerage-RE/MAX CENTRE CITY REALTY INC
Cooling-None
Laundry-No
Fireplace-Electric, Family Room
Pool-None
Facing-West
Exterior-Brick, Vinyl Siding
Roof-Asphalt Shingle
Foundation-Brick, Stone
Sewer-Sewer
Possession-FLEXIBLE
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to 20 Alma Street, a charming and character-filled home in St. Thomas that is move-in ready and offers plenty of space both inside and out. Enjoy your morning coffee or unwind on the brand-new front porch, offering ample room for comfortable seating and enjoying the neighbourhood. Step inside to a welcoming foyer with plenty of space for coats, bags and everyday essentials. The main floor features a nicely sized bedroom or versatile den, a combined living and dining area complete with a cozy electric fireplace, and a spacious kitchen with a convenient pantry and access to the back deck. A 4-piece bathroom with laundry completes the main level. A unique spiral staircase leads to the upper level, where you'll find three additional bedrooms, including the primary, along with a 3-piece bathroom featuring a charming clawfoot tub. Outside, the large fully fenced backyard offers plenty of room to create the outdoor space you've been dreaming of, with a back deck providing the perfect spot for outdoor dining, entertaining or relaxing. The private driveway provides parking for up to six vehicles, while the shed with hydro offers excellent additional storage or workspace. The basement features a convenient walk-up entrance, adding versatility and easy access. Recent updates include a new front porch, newer windows, paint, flooring, fixtures, kitchen cabinets and blown-in attic insulation. Full of character, functional space and thoughtful updates, this inviting home is ready for its next chapter!

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

Closing Costs

Mortgage Amount
$339,920
Land Transfer Taxes$4,973
Legal Fees (Est.)
$
Total cash required for closing$91,453

Total Monthly Obligation

$2,324/mo
Mortgage $1,714
Monthly Loss $1,873
Principal$451
Interest$1,263
Property Tax$235
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.1%39
Cash-on-Cash
1.2%10
5-Year IRR
16.8%81
10-Year IRR
16.0%
Returns Index
44.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
32/ 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
$32,256/yr
NOI
$21,706/yr
Net Cash Flow
$95/mo
Cash Margin
3.5%9
Cash Flow Index
9.2/ 100
Risk Profile
Weight: 20%
DSCR
1.0631
LTV Ratio
80.0%18
Vacancy Buffer
4.1 mo70
Risk Index
39.9/ 100

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

Comparables

Properties near 20 Alma 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.