St. Thomas: questions buyers ask about the records
Each page names the public record that answers one question, where to read it yourself, and which OfferDue check reads it. What the records show, never advice.
Sources checked October 29, 2026
St. Thomas at a glance
The town's local rules as pictures, from our hand-kept tables of its by-laws and pages and from its flood page. Each tile opens the page with the full wording, its source and the date we checked it.
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Property tax
1.82% of assessed value, 2026 residential rate
Read the question →0%2.32% (Chatham-Kent)14th highest of 61 towns. Lowest: Markham, 0.72%.
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Extra units
Up to 4 homes on a lot
Read the question → -
Trees
30 cm across: the trunk size the rule names
Read the question → -
Conservation authorities in 2027
Read the question →Kettle Creek authorityCatfish Creek authorityjoinEastern Lake Erie Regional Conservation Authority
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A business run from home
- Up to 15%of the floor area
- Only the householdmay work there
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Water and sewer bills
- A stormwater charge of its own
How can I find recorded pits, quarries and petroleum wells near a St. Thomas home?
Two provincial records: the Find Pits and Quarries map of licensed and permitted aggregate sites, and the petroleum wells dataset of wells drilled for oil, gas, salt or underground storage.
In the free check and the full report.
How can I find mapped railways, power lines and pipelines near a St. Thomas home?
The Ontario Railway Network and the Ontario Utility Line dataset: provincial mapping of tracks and crossings, and of power lines, pipelines and other utility lines.
In the free check and the full report.
What records explain additional residential units at a St. Thomas home?
Section 4.2.11 of the City's Zoning By-law 50-88 (office consolidation of September 2026) and the City's Additional Residential Units guidebook for 2026.
In the free check and the full report.
What does St. Thomas's private tree by-law cover?
The City's Private Tree Preservation By-law 101-2021, passed on 14 June 2021 and listed on the City's by-laws page.
In the free check and the full report.
What is St. Thomas's residential property tax rate for 2026?
The City's 2026 tax rates table, which lists the City and school rates for each property class.
In the free check and the full report.
Is a St. Thomas address in a regulated flood area, and whose map says so?
The Kettle Creek Conservation Authority's Map Your Property screening map and permit page and the Catfish Creek Conservation Authority's property map, under Ontario Regulation 41/24, and section 4.2.11 of the City's Zoning By-law 50-88.
Public source; flood plain and regulated-area checks not included in OfferDue reports.
Who helps with a home in St. Thomas
Every kind of business a home needs, by moment, and the local rules their work runs into, each with its source and the date it was checked.
Public-record information, not legal, financial, insurance or inspection advice. Records change and can be incomplete, and these pages describe the records, not any particular home. What we cover, city by city.