39 Dunning Way, St. Thomas, ON N5R 0P7
Listed by Sarah Witten • EXP REALTY
39 Dunning Way , St. Thomas, ON N5R 0P7
$ 849,000
Bed Rooms
5
Bath Rooms
4
SqFt
2,113
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Virtual Tour
43 photos
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Year Built
2025
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$401
Car Garage
1.0
Open House
Sun Aug 30, 1:00pm - 3:00pm
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,113 sqft
MLS Listing ID
40840994
Bedrooms
5
Full Baths
3
Half Baths
1
Abv Grd Liv Area
2,841
Annual Tax Amount
$6,272
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Elgin
Area
St. Thomas
Zoning
R3A-47
Rooms
Basement
Separate Entrance, Walk-Up Access, Full, Finished
Bedroom 2
4
Kitchen
2
Interior
Interior Features
Accessory Apartment, In-Law Floorplan
Heating
Natural Gas
Cooling
Central Air
Fireplaces Type
Electric, Living Room
Fireplace
Yes
Window Features
Window Coverings
Appliance
Built-in Microwave, Dishwasher, Dryer, Microwave, Refrigerator, Stove, Washer
Laundry
Laundry Room, Main Level
Exterior
Exterior Feature
Lawn Sprinkler System, Private Entrance
Parking Features
Attached Garage, Asphalt, Built-In
Fence
Full
Utilities Available
Electricity Connected, Natural Gas Connected
View Y/N
true
View
Forest
Roof Type
Shingle
Porch
Deck
Lot Frontage
47.21
Lot Depth
105.13
Garage
Yes
Building
Lot Description
Urban, Irregular Lot, Open Spaces, Park, Place of Worship, Playground Nearby, Quiet Area, Schools, Trails
Story
3
Foundation
Poured Concrete
Sewer
Sewer (Municipal)
Water
Municipal
Level or Stories
2
Structure Type
Brick Veneer,Vinyl Siding
New Construction
Yes
Schools
Elementary Schools
Mitchell Hepburn
Others
Senior Community
No
Tax ID
352442950
Ownership
Freehold/None
Virtual Tour
https://tinyurl.com/438jz6vs
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Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

Nearby Locations

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39 Dunning Way

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Navjot Singh

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+1(519) 505-5832 | navjot@teammosaic.ca

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