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New6 hours ago

119 Pelham Road

458 - Western Hill, St. Catharines

$420,000

Detached|1 1/2 Storey
3 | 2 | 4
About this home

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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Got questions?

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agent
Jonathan Lee
(647) 983-0770

This seller is holding back offers

Instead of reviewing offers as they come in, this seller has set offer instructions — a strategy often paired with attractive pricing to invite competing bids. Timing and preparation matter here; get in touch and we'll walk you through it.

TypeDetached
Style1 1/2 Storey
Approx. Age51-99
Size1100-1500 sq. ft.
Property Tax$3,150
Lot Size40 ft x 105 ft
mls© NumberX13844982
Listed ByCENTURY 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.

Down payment20% · $84,000
25-yr amortization

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 check

Investment Analysis

Estimated rent, cap rate and monthly cash flow for this property

Values and trends

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