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109-113 Inkerman Street, St. Thomas, ON N5P 3G4

Land
$2,749,900

Attention Developers and Investors Welcome to 109-113 Inkerman St. St Thomas, this 5.45 acre parcel of land is designated for Residential use in the St. Thomas Official Plan zoned as HR7-5. The designation permits the full range of densities, subject to meeting the policies of the Plan. I have also attached a copy of the Residential policy section from the Official Plan for your information. The specific policies for the various densities are found in subsections 5.1.3.2 (low density), 5.1.3.3 (medium density) and 5.1.3.4 (high density).

MLS number
X13542214
Type
Land
Status
Active
Bedrooms
Bathrooms
Postal code
N5P 3G4
Photos
1
66days · this listing
Total days on market across every earlier listing of this propertyRegistration and sign-in required

This listing’s own days on market are shown above. How long the property has been for sale across every earlier listing is drawn from records the board releases only to registered users — a free account opens it, along with the sale history below.

Listing history

No previous listings found for this address.

Where this property is

Where this address sits, matched against open government data.

Estimated from the house-number range along this road: the right block of the right street, not the exact building. No address file publishes this house.

Schools

The school boundaries this address is inside, and the schools nearest it. Boards redraw boundaries and cap programs — confirm with the board before this affects a decision.

Other schools nearby

By distance from this address, not school boundary — a school 400 m away can be in another school’s attendance area.

SchoolLevelDistanceRating
June Rose Callwood Public School
Thames Valley DSB
Elementary377 m5.1 / 10
51% met the standard
Arthur Voaden Secondary School
Thames Valley DSB
Secondary673 m3.8 / 10
38% met the standard · 2 of 6 measures
Monsignor Morrison Separate School
London District Catholic School Board
Elementary1.1 km6.9 / 10
69% met the standard
Lockes Public School
Thames Valley DSB
Elementary1.2 km6.7 / 10
67% met the standard
Pierre Elliott Trudeau French Immersion Public School
Thames Valley DSB
Elementary1.6 km7.2 / 10
72% met the standard
Forest Park Public School
Thames Valley DSB
Elementary1.5 km4.1 / 10
41% met the standard
How the rating is calculated

EQAO — Ontario’s testing agency — publishes, for each school, the percentage of students meeting the provincial standard in Grade 3 and Grade 6 reading, writing and mathematics. The rating is the average of those percentages divided by ten. A school where 72% of students met the standard rates 7.2 out of 10.

Nothing is weighted or adjusted, and schools are not ranked against each other. Where EQAO withholds a result to protect the privacy of a small group of students, that measure is left out rather than counted as zero — so a rating built on fewer than six measures says so.

What it does not measure. It is one year of standardised testing in three subjects. It says nothing about teaching, programs, or whether a school suits a particular child, and it tracks neighbourhood household income closely enough that it partly measures the neighbourhood rather than the school. Treat it as one figure among many.

Source: Ontario Ministry of Education, School Information and Student Demographics (2024–25), Open Government Licence – Ontario.

H-Value

our estimate of this home is for registered usersWhat comparable homes nearby actually sold for, worked into an estimate for this one — with the range it sits in and how far the method has been off in testing.Create a free accountAlready have one? Sign in.

What an H-Value is and how it is calculated — the method and our measured error, no account needed.

This neighbourhood

Statistics Canada 2021 Census, for the surrounding few blocks — about 419 people.

$53,600Median household income
52.8%Own their home
55%Detached houses
38.4Median age
2.4%Born outside Canada
3.3%University degree

The neighbourhood, by the census

Statistics Canada 2021 Census for dissemination area 35340126 — the few blocks around this address, home to 419 people. It describes the area, not this property.

419Population
39.7Average age
2.1Household size
$57,200Average household income
$53,600Median household income
53%Own their home
47%Rent
0%Condominiums
2%Born outside Canada
3%University degree
$316,000Average home value
23%Low income
91%Not in the labour force
34%Never married
$10,000 to $14,9992%
$15,000 to $19,9992%
$20,000 to $24,9997%
$25,000 to $29,9999%
$30,000 to $34,9992%
$35,000 to $39,9995%
$40,000 to $44,9995%
$45,000 to $49,9997%
$50,000 to $59,99914%
$60,000 to $69,9999%
$70,000 to $79,9995%
$80,000 to $89,9997%
$90,000 to $99,9997%
$100,000 and over11%
$100,000 to $124,9997%
$125,000 to $149,9992%

Percentages are of the 220 responses in this category. Statistics Canada rounds counts and withholds small ones to keep individuals unidentifiable, so categories with too few people to publish are absent rather than shown as zero.

Source: Statistics Canada, 2021 Census of Population. Contains information licensed under the Open Government Licence – Canada.

Work out the numbers

Everything below is calculated in your browser from figures you can change. Nothing is sent anywhere.

$549,980 · minimum here is $549,980
$12,175.96per month
Borrowed before insurance$2,199,920
Total borrowed$2,199,920
Interest over 25 years at 4.5%$1,452,869

If you rented it out

-$12,175.96per month out of pocket
Rent$0.00
Everything it costs to hold$12,175.96
How this is calculated, and what it leaves out

Canadian fixed-rate mortgages compound semi-annually, not monthly, so the monthly rate here is (1 + rate/2)1/6 − 1. Most calculators use rate ÷ 12, which is the American convention and overstates the payment by tens of dollars a month.

Below 20% down, default insurance is mandatory and is added to the loan rather than paid at closing: 2.80% at 85% loan-to-value, 3.10% at 90%, 4.00% at 95%. It is unavailable at or above $1.5M, which is why 20% is a hard floor there.

Not included: vacancy, property management, capital repairs, income tax, and the fact that a lender qualifies you at a stress-test rate rather than the one you are quoted. This is arithmetic on the numbers above, not a mortgage approval or an opinion of what you can afford.

Listed by CENTURY 21 HERITAGE GROUP LTD.. Listing data provided by the Toronto Regional Real Estate Board.