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458 - Western Hill, St. Catharines
$420,000
Welcome to 119 Pelham Rd! This charming brick 1.5-storey detached home is situated in the desirable Western Hill community of St. Catharines and offers a versatile layout with 3+1 bedrooms and 2 full bathrooms. A standout feature is the finished basement with its own separate entrance, kitchenette, bedroom and 3-piece bathroom, offering excellent in-law suite potential or additional living space for extended family.Freshly painted and featuring new carpet throughout the second level, updated light fixtures, and a new railing on the existing back deck, this home is ready for its next owners. The main level offers a bright living room, dining area, kitchen, bedroom and 4-piece bathroom, while the second level features two generously sized bedrooms.Situated on a 40' x 105' lot, the property also features a private double-wide driveway with parking for up to 4 vehicles and a garden shed. Conveniently located close to the hospital, GO Station, Brock University, Ridley College, schools, shopping, restaurants, recreation and public transit, with the Participark Trail and scenic Twelve Mile Creek just steps away. A fantastic opportunity for families, first-time buyers, investors, or those looking for a home with flexible multi-generational living potential!
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| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | 51-99 |
| Size | 1100-1500 sq. ft. |
| Property Tax | $3,150 |
| Lot Size | 40 ft x 105 ft |
| mls© Number | X13844982 |
| Listed By | CENTURY 21 PERCY FULTON LTD. |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,150
- Property tax
- $263
- Heat allowance
- $150
- Housing costs
- $2,562 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$79,000
gross annual household income
- Payment at 4%
- $1,767 / mo
- Cash down
- $84,000
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
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