Detached For Sale

$924,900

90 Thomas St | Milton, Ontario

Neighbourhood: Old Milton

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Property Description

Nestled in the heart of Old Milton, this charming circa-1928 home at 90 Thomas Street offers a rare blend of character, space, and location. This character-rich home is a rare offering rooted in craftsmanship and timeless design. From its solid construction to the thoughtful architectural details, it reflects an era when homes were built with intention and care. Warm, inviting, and layered with history, it offers a unique alternative to today’s more uniform builds—perfect for those who value substance, and a sense of place. This is more than a home—it’s a lifestyle grounded in comfort, tradition, and quiet character. Set on a premium lot backing directly onto the Fairgrounds, you’ll enjoy serene, unobstructed views framed by mature trees—all within walking distance to parks, schools, amenities, and vibrant downtown Milton. This well-maintained 3-bedroom, 2-bath home showcases beautiful features such as stained glass windows, crown moulding, and hardwood flooring, thoughtfully complemented by key updates including a newer furnace, AC, water heater, and removal of knob-and-tube wiring. The bright eat-in kitchen with ample counter space flows into a cozy family room addition with a gas stove, while a formal living room with a gas fireplace (as is) and a distinct dining area provide ideal entertaining spaces. A separate side entrance offers flexible access to the addition and backyard, while the fully fenced yard—with gas BBQ hookup—creates the perfect outdoor space. The long driveway accommodates up to four vehicles, plus a detached garage/shed with hydro. Upstairs, you’ll find three generously sized bedrooms, a 4-piece bath, and additional storage, while the unfinished basement—with tall ceilings in the excavated addition and two separate staircases—presents outstanding potential for customization. A covered front porch completes the inviting curb appeal of this truly special Old Milton property.

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Victoria Ashley

Overview of 90 Thomas St | Milton, Ontario

FEATURES

WALKING DISTANCE TO PARKS, SCHOOLS AND AMENITIES PLUS DOWNTOWN MILTON

Rare lot that backs onto Fairgrounds with stunning and serene open space views
Mature trees and a beautiful charming Old Milton neighbourhood
Quick access to the 401/407 and GO station
Fully fenced backyard with views of the Fairgrounds
Long driveway – total parking for 4 plus a separate garage/shed with hydro
Separate entrance from side of house to addition, plus access to backyard
Beautiful original features maintained throughout with necessary upgrades
Covered and welcoming front porch
Stained glass windows
Built in 1920 (not designated as Heritage Home) with Knob & Tube removed
Recently updated furnace, AC and water heater
Gas line for a BBQ

Property Stats

MLS

W13085512

Sq Ft

1690 Sq Ft

Bed

Bath

KITCHEN

BRIGHT EAT-IN KITCHEN

Tons of counter top space and tile back splash
Open to cozy family room

LIVING & DINING

FORMAL FRONT LIVING WITH GAS FIREPLACE (AS IS)

Gas stove in family room addition
Distinct dining room
Hardwood flooring and carpet flooring
Crown moulding

BEDS & BATHS

THREE FULL SIZED BEDROOMS

Additional large storage room/closet on 2nd floor
4pc bath on level with bedrooms
Full 3pc main bath on main floor
Original hardwood flooring

BASEMENT

UNFINISHED AND READY FOR YOUR PERSONAL TOUCH

Additon with excavated space has tall ceilings and large windows
2 separate staircases to enter basement
Laundry
Sump pump

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Buyer Faq's

How do I know how much house I can actually afford in Ontario?

Start with your income, debts, down payment, and monthly costs. A lender pre-approval plus a realistic budget will show what feels affordable, not just what you qualify for.

What is the minimum down payment required to buy a home in Ontario right now?

Usually at least 5% of the first $500,000 and 10% of the portion from $500,000 to $1.5M. If you put down less than 20%, mortgage default insurance usually applies.

Should I get pre-approved for a mortgage before I start looking?

Yes, getting pre-approved early helps you understand your price range, monthly payment, and borrowing limits before you start viewing homes or making offers.

What kind of mortgage should I get — fixed, variable, or something else?

It depends on your budget, risk tolerance, and how long you plan to keep the mortgage. Fixed offers payment stability, while variable can offer flexibility and lower penalties in some cases.

How much are closing costs when buying a home in Ontario?

Many Ontario buyers should budget roughly 1.5% to 4% of the purchase price for closing costs, depending on land transfer tax, legal fees, inspections, title insurance, and adjustments.

What is Ontario land transfer tax and do first-time buyers get a rebate?

Ontario land transfer tax is a provincial closing cost based on the purchase price. Eligible first-time buyers may qualify for a rebate of up to $4,000.

What makes a neighbourhood a good location in Ontario?

A great location usually balances commute, schools, amenities, safety, resale potential, and the lifestyle you want day to day.

How long does the home-buying process take in Ontario?

Many Ontario purchases take about 30 to 90 days from accepted offer to closing, but the full buying journey can be longer depending on financing, search time, and conditions.

Do I really need a home inspection?

Not always, but a home inspection can reveal costly issues before you commit. It is especially valuable for older homes, unique properties, or homes with visible wear.

How do I calculate monthly homeownership costs in Ontario?

Add your mortgage payment, property taxes, insurance, utilities, maintenance, and any condo fees. That full monthly number is what homeownership really costs.

How are property taxes calculated in Ontario?

In Ontario, property tax is based on your home’s MPAC-assessed value multiplied by your municipality’s annual tax rate, plus any local charges or adjustments.

Can I buy a home in Ontario with little or no down payment?

No-down-payment purchases are rare. Most buyers need at least 5% down, and anything under 20% usually requires mortgage default insurance and strong qualification.

How does the mortgage stress test work and how does it affect me?

You usually have to qualify at the higher of your contract rate plus 2% or 5.25%, which can reduce the amount you are approved to borrow.

What first-time home buyer programs exist in Ontario?

Common programs include the FHSA, Home Buyers’ Plan, Home Buyers’ Amount tax credit, and Ontario land transfer tax rebates for eligible first-time buyers.

Should I buy a condo or a detached house in Ontario?

A condo can be more affordable and lower-maintenance, while a detached home offers more space, privacy, and control. The right choice depends on lifestyle and budget.

What questions should I ask when viewing a property?

Ask about the home’s age, updates, known issues, monthly costs, inclusions, neighbourhood, utility bills, and any rules that could affect how you use the property.

How do I choose the right real estate agent as a buyer in Ontario?

Choose an agent with strong local knowledge, clear communication, honest advice, and a track record helping buyers in your price range and target areas.

What happens if I change my mind after I make an offer?

If your offer is firm, backing out can put your deposit at risk and expose you to damages. If conditions are still open, you may still have a way out before the deadline.

Is it better to rent or buy a home in Ontario right now?

It depends on how long you plan to stay, your real monthly costs, and how much flexibility you need. Buying builds equity, but renting can make more sense in the short term.

What is different about buying a pre-construction home in Ontario?

Pre-construction usually means longer timelines, staged deposits, possible delays, assignment rules, and occupancy fees before final closing. It can offer customization, but it adds uncertainty.

Do new homes in Ontario come with a warranty?

Most new homes in Ontario come with Tarion-backed warranty coverage, but what is covered depends on the issue and timeline. Always review the warranty information sheet.

How do I buy an investment or rental property in Ontario?

Start with financing, projected rent, carrying costs, vacancy risk, and landlord rules. A good rental purchase works on cash flow, tenant demand, and long-term resale potential.

What credit score do I need to get the best mortgage rate in Canada?

There is no single magic score, but borrowers with strong credit, stable income, and low debt usually get the best pricing. In practice, 680+ often opens more options.

What are the biggest mistakes first-time buyers make in Ontario?

Common mistakes include shopping before pre-approval, skipping closing-cost planning, stretching the budget, ignoring monthly carrying costs, and moving too fast on the wrong home.