40-42 Locust Street, St. Thomas, ON N5R 2C1
- Property tax
- $3,771 / year
Welcome to 40-42 Locust Street, located on the South side of the City of St Thomas. This well-maintained, two storey, purpose-built all brick duplex offers an excellent opportunity for an investor, extended family, or owner occupier looking for additional income. Unit 40, located on the left Is the main floor unit, offers a spacious living room with patio doors opening onto a welcoming front porch. The eat-in kitchen includes a fridge, stove, and dishwasher. The generously sized primary bedroom features patio doors leading to a concrete rear porch and beautifully fenced-in yard. A second bedroom, 4pc bathroom, and convenient in-unit laundry complete the unit. Efficient hot-water boiler heating with in-floor heating provides comfort and warmth throughout. Unit 42, the upper unit, offers a similar spacious layout with a bright living room and patio doors leading to a front deck. The eat-in kitchen includes a fridge, stove, and dishwasher. A generously-sized primary bedroom, second bedroom, 4pc bathroom, a convenient second-floor laundry provide comfortable and practical living. The same efficient hot-water boiler system with in-floor provides warmth and helps keep operating costs manageable. Both units share access to a large fully fenced backyard, providing excellent outdoor space and privacy. A shared storage shed offers additional convenient storage for both units. Offering two self-contained units and an attractive opportunity for investors or buyers to live in one unit while generating rental income.
- MLS number
- X13688240
- Type
- Duplex
- Status
- Active
- Bedrooms
- 4
- Bathrooms
- 2
- Postal code
- N5R 2C1
- Photos
- 21
- Laundry
- Not in the unit
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.
Rooms
12 rooms as the listing brokerage filed them, with measurements.
Main
| Room | Size | Features |
|---|---|---|
| Foyer | 1.40 × 2.04 m | — |
| Living Room | 5.85 × 5.66 m | — |
| Kitchen | 2.40 × 2.68 m | Eat-in Kitchen |
| Primary Bedroom | 3.38 × 4.17 m | — |
| Bedroom | 3.47 × 3.10 m | — |
| Laundry | 3.38 × 1.25 m | — |
Second
| Room | Size | Features |
|---|---|---|
| Foyer | 0.97 × 0.97 m | — |
| Living Room | 4.99 × 4.90 m | — |
| Kitchen | 3.47 × 3.99 m | Eat-in Kitchen |
| Primary Bedroom | 3.38 × 4.05 m | — |
| Bedroom | 3.47 × 3.04 m | — |
| Laundry | 3.38 × 1.61 m | — |
Property details
As filed by the listing brokerage. Anything the board left blank is left out rather than shown as unknown — and none of it is guaranteed accurate by PropTx, so verify what you rely on.
Property
- Type
- Duplex
- Style
- 2-Storey
- Class
- Residential Freehold
- Age
- 6-15
- Fronting on
- North
- Community
- St. Thomas
- Municipality
- St. Thomas
- Cross street
- Fifth Ave
- Zoning
- R3
Inside
- Bedrooms
- 4
- Bedrooms above grade
- 2
- Bathrooms
- 2
- Washrooms
- 1 on the ground floor · 1 on the upper floor
- Kitchens
- 2
- Rooms above grade
- 10
- Basement
- None
- Size
- 1500-2000
Building
- Construction
- Brick
- Roof
- Asphalt Shingle
- Foundation
- Concrete, Concrete Block, Slab
- Other structures
- Shed
Parking
- Covered spaces
- 0
- Driveway spaces
- 2
- Total parking
- 4
- Features
- Private
Land
- Lot
- 51.85 × 122.68 feet
- Pool
- None
Heating, cooling and services
- Heating
- Forced Air
- Heat source
- Gas
- Cooling
- Central Air
- Water
- Municipal
- Sewer
- Sewer
Features
- Property
- Fenced Yard, Hospital, Park, Place Of Worship, Public Transit, School
- Interior
- Floor Drain, On Demand Water Heater, Separate Heating Controls, Separate Hydro Meter, Water Heater Owned
Listing
- MLS number
- X13688240
- Status
- New
- Previous status
- Draft
- Listed on
- 2026-08-17
- Expires
- 2026-11-30
- Possession
- 2027-01-04
- Taxes
- $3,771 (2025)
- Board
- London and St. Thomas Association of REALTORS
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.
| School | Level | Distance | Rating |
|---|---|---|---|
| Pierre Elliott Trudeau French Immersion Public School Thames Valley DSB | Elementary | 727 m | / 10 72% met the standard |
| Arthur Voaden Secondary School Thames Valley DSB | Secondary | 993 m | / 10 38% met the standard · 2 of 6 measures |
| Central Elgin Collegiate Institute Thames Valley DSB | Secondary | 1.1 km | / 10 65% met the standard · 2 of 6 measures |
| John Wise Public School Thames Valley DSB | Elementary | 1.6 km | / 10 58% met the standard |
| Elgin Court Public School Thames Valley DSB | Elementary | 1.4 km | / 10 46% met the standard |
| Parkside Collegiate Institute Thames Valley DSB | Secondary | 1.8 km | / 10 67% met the standard · 2 of 6 measures |
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
This neighbourhood
Statistics Canada 2021 Census, for the surrounding few blocks — about 678 people.
The neighbourhood, by the census
Statistics Canada 2021 Census for dissemination area 35340038 — the few blocks around this address, home to 678 people. It describes the area, not this property.
Percentages are of the 375 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.
If you rented it out
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.