87 Pine Valley Drive, St. Thomas

$589,900
87 Pine Valley Drive

$589,900

New
8d
DetachedBacksplit 4

87 Pine Valley Drive, St. Thomas

Total Monthly Obligation $3,085

Beds
4
Baths
2
Park
2
Sqft
1100-1500
DOM
8d
Score
22
Yield
5.8%
Cash on Cash
0.4%
Cap Rate
4.7%
5Y IRR
15.9%
10Y IRR
14.9%
Property Type-Detached
MLS® Number-X14080286
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-43.41 × 109.48 ft
Listed on site-Oct 15, 2026
Style-Backsplit 4
Building Type-Detached
Age-16-30
Taxes-$3,961 (2025)
Parking-3 - Attached
Basement-Full, Partially Finished
Heating-Forced Air (Gas)
Brokerage-ROYAL LEPAGE TRILAND REALTY
Cooling-Central Air
Laundry-No
Fireplace-Natural Gas, Family Room
Pool-None
Facing-North
Exterior-Vinyl Siding, Brick
Roof-Asphalt Shingle
Foundation-Poured Concrete
Sewer-Sewer
Possession-Flexible
Neighbourhood-St. Thomas
Title-Residential Freehold

No agent assigned

Welcome to 87 Pine Valley Drive, a meticulously maintained multi-level home located in the desirable north end of St. Thomas. Designed for effortless modern living, this property offers an expansive and versatile layout with more than 1500sf of finished space that effortlessly blends open social areas with private retreats. Connivence starts out front with a double wide driveway and attached garage offering extra storage for hobbyists. Step inside to a bright, airy main level where soaring vaulted ceilings and warm hardwood floors create an inviting atmosphere. The seamless transition between the living room and dining space makes entertaining guests or hosting family gatherings a breeze. The spacious main floor flows conveniently outdoors to a side deck-an ideal setup for enjoying morning coffee in the fresh air.With 3+1 generous bedrooms and two full bathrooms, this home provides exceptional flexibility to suit your unique lifestyle. Whether you need dedicated spaces for a growing family, a remote work executive office, or a personal home gym, the multi-level floor plan comfortably accommodates every need. Downstairs, the inviting lower-level family room features a cozy natural gas fireplace, making it the ultimate spot for relaxing movie nights or weekend downtime. The lifestyle appeal extends into the private, fully fenced backyard. It features a spacious patio space designed for summer barbecues, outdoor lounge seating, and safe outdoor play for kids and pets. This home is turn-key, offering space, comfort, and top-tier connectivity to local parks, schools, and amenities.

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

Closing Costs

Mortgage Amount
$471,920
Land Transfer Taxes$8,273
Legal Fees (Est.)
$
Total cash required for closing$127,753

Total Monthly Obligation

$3,085/mo
Mortgage $2,379
Monthly Loss $2,458
Principal$626
Interest$1,753
Property Tax$330
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
3.8%25
Cash-on-Cash
-5.0%2
5-Year IRR
11.7%48
10-Year IRR
11.9%
Returns Index
25.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
22/ 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
$34,068/yr
NOI
$22,200/yr
Net Cash Flow
-$529/mo
Cash Margin
-18.7%0
Cash Flow Index
0.1/ 100
Risk Profile
Weight: 20%
DSCR
0.7813
LTV Ratio
80.0%18
Vacancy Buffer
3.1 mo52
Risk Index
27.8/ 100

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

Comparables

Properties near 87 Pine Valley Drive

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.