178 Pelham Road, St. Catharines

Price: $399,000

4 bedrooms, 2 bathrooms

700 - 1,099 sqft

Property Type: Detached

MLS#: X13482508

LOCATED ON GREAT TRANSIT SYSTEM IN ST. CATHARINES. 2/3 COMPLETED AND WAITING TO BE FINISHED. GREAT LAYOUT 2 BEDROOM ON MAIN FLOOR PLUS 2 IN THE LOWER LEVEL. IDEAL SET UP FOR INLAWS. KITCHEN CABINETS STILL ON SIGHT FOR NEW BUYERS, DETACHED OVERSIZED SINGLE GARAGE. GREAT PROJECT FOR SOMEONE WITH A VISION.

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$399,000 - 178 Pelham Road, St. Catharines

Detached for Sale in St. Catharines

Popular Listing

Neighbourhood: 458 - Western Hill

4Beds
2Baths
700 - 1,099Sq Ft
Detached
Property Details
MLS Number
X13482508
Property Type
Detached
Status
active
Days on Site
13
Bedrooms
4
Bathrooms
2
Square Feet
700 - 1,099 sqft
Neighbourhood
St. Catharines
Listing Brokerage
RE/MAX NIAGARA REALTY LTD, BROKERAGE
Description

LOCATED ON GREAT TRANSIT SYSTEM IN ST. CATHARINES. 2/3 COMPLETED AND WAITING TO BE FINISHED. GREAT LAYOUT 2 BEDROOM ON MAIN FLOOR PLUS 2 IN THE LOWER LEVEL. IDEAL SET UP FOR INLAWS. KITCHEN CABINETS STILL ON SIGHT FOR NEW BUYERS, DETACHED OVERSIZED SINGLE GARAGE. GREAT PROJECT FOR SOMEONE WITH A VISION.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,047.08/mo

Includes CMHC insurance ($11,132)

$
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5%10%50%

5-yr fixed avg.

Principal: $359,100Interest: $243,891
Mortgage Amount$370,232
Total Interest$243,891
Est. Property Tax$283/mo
Total Cost$614,123

Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.

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Neighbourhood Guide: 458 - Western Hill

Discover 458 - Western Hill

458 - Western Hill is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.

Why Live in 458 - Western Hill

  • Convenient location in St. Catharines
  • Access to local shops and dining
  • Good public transit connections
  • Community parks and green spaces
  • Well-maintained neighbourhoods

Nearby Schools

Local Elementary SchoolPublic Elementary
Local Secondary SchoolPublic High School

Transit & Commuting

  • MiWay bus routes throughout the area
  • GO Transit stations within driving distance
  • Easy highway access to 401/403/QEW
  • Walking distance to local amenities

Parks & Amenities

  • Local parks and recreational facilities
  • Community centres
  • Shopping plazas nearby
  • Restaurants and cafes

Lifestyle & Community

458 - Western Hill offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.

70
Walk Score
Varies
Price Range

178 Pelham Road, St. Catharines

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Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$3,200/mo
Range: $2,720 - $3,680
Cap Rate (ROI)
8.5%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$3,200
Maintenance Fees-$0
Property Tax (est.)-$283
Insurance (est.)-$83
Net Cash Flow+$2,834

Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.

Joe Battaglia - Top Real Estate Agent in Mississauga, REMAX Realty Specialists

Joe's Thoughts

Honest perspective from 30+ years of GTA real estate experience

Competitive Pricing

At $570/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.

Detached Home Advantages

Detached homes in St. Catharines are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.

Efficient Living

At 700 sqft, this is a more compact space. The upside: lower utility bills, less maintenance, and easier cleaning. Consider how you'll use the space - built-in storage, multi-functional furniture, and good organization become important. Great for singles, couples, or those who prefer a low-maintenance lifestyle.

Family-Friendly Layout

4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.

About 458 - Western Hill

I know 458 - Western Hill well from working with many buyers and sellers here. Each pocket has its own character - let me share what I've learned about this specific street and block. During our showing, I'll point out local amenities, school catchments, and what similar homes have sold for recently.

Let's See It Together

Photos only tell part of the story. During our showing, I'll point out things the camera doesn't capture: neighbourhood feel, natural light quality, traffic noise, and overall condition. I'll also share what comparable homes have sold for and help you craft a winning strategy if you decide to move forward.

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    178 Pelham Road, St. Catharines | $399,000 | Battaglia Team