230 Pelham Road, St. Catharines

Price: $399,000

3 bedrooms, 2 bathrooms

1,100 - 1,499 sqft

Property Type: Detached

MLS#: X13465510

Opportunity Knocks at this Prime Niagara Location. Whether you're an investor, entrepreneur, or buyer looking for space to spread out, this property checks a lot of boxes.The main house offers large principal rooms, a generous eat-in kitchen, and a smart layout with a main floor bedroom and 4-piece bath, plus two additional bedrooms upstairs. The basement is unfinished. Yes, there's some cosmetic updating to do but the potential is there.The lot is the real story, at 70 x 143 feet with R2 zoning, you've got room to breathe and options to grow. And out back? A fully converted backyard studio complete with its own kitchen, 2-piece bath, and a full furnace, plus an insulated and studded second floor ready for your vision. Run your business from home, set up a creative studio, or just have the ultimate hang-out space away from the main house. Properties like this with the space, zoning, and versatility to grow into don't come along every day in this market and at this price.

230 Pelham Road - Detached photo 1 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 2 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 3 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 4 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 5 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 6 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 7 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 8 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 9 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 10 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 11 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 12 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 13 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 14 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 15 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 16 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 17 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 18 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 19 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 20 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 21 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 22 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 23 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 24 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 25 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 26 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 27 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 28 of 29 in St. Catharines, Ontario
230 Pelham Road - Detached photo 29 of 29 in St. Catharines, Ontario
active
1/29

$399,000 - 230 Pelham Road, St. Catharines

Detached for Sale in St. Catharines

Neighbourhood: 458 - Western Hill

3Beds
2Baths
1,100 - 1,499Sq Ft
Detached
Property Details
MLS Number
X13465510
Property Type
Detached
Status
active
Days on Site
18
Bedrooms
3
Bathrooms
2
Square Feet
1,100 - 1,499 sqft
Neighbourhood
St. Catharines
Listing Brokerage
BOSLEY REAL ESTATE LTD.,
Description

Opportunity Knocks at this Prime Niagara Location. Whether you're an investor, entrepreneur, or buyer looking for space to spread out, this property checks a lot of boxes.The main house offers large principal rooms, a generous eat-in kitchen, and a smart layout with a main floor bedroom and 4-piece bath, plus two additional bedrooms upstairs. The basement is unfinished. Yes, there's some cosmetic updating to do but the potential is there.The lot is the real story, at 70 x 143 feet with R2 zoning, you've got room to breathe and options to grow. And out back? A fully converted backyard studio complete with its own kitchen, 2-piece bath, and a full furnace, plus an insulated and studded second floor ready for your vision. Run your business from home, set up a creative studio, or just have the ultimate hang-out space away from the main house. Properties like this with the space, zoning, and versatility to grow into don't come along every day in this market and at this price.

Mortgage Calculator

Estimate your monthly payments for this property

Estimated Payment

$2,047.08/mo

Includes CMHC insurance ($11,132)

$
$
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.

Ready to get pre-approved?

Know your exact budget before you start house hunting.

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

230 Pelham Road, St. Catharines

Open in Google Maps

Use the map controls to zoom, pan, and switch between map and satellite views. Drag to explore the neighbourhood.

Investor Analysis

Rental income estimator & ROI calculator

Estimated Monthly Rent
$2,800/mo
Range: $2,380 - $3,220
Cap Rate (ROI)
7.3%
Excellent

Monthly Cash Flow Breakdown

Rental Income+$2,800
Maintenance Fees-$0
Property Tax (est.)-$283
Insurance (est.)-$83
Net Cash Flow+$2,434

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 $363/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.

Market Position

At 18 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.

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.

Starter Home Potential

3 bedrooms works well for couples planning families or small families with one child. Consider whether you might outgrow the space in 5-7 years. If so, factor in potential moving costs when making your decision. Alternatively, some buyers convert a bedroom to an office and make it work long-term.

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.

Similar Properties Nearby

Active listings in St. Catharines with similar features

Search
Log in
    230 Pelham Road, St. Catharines | $399,000 | Battaglia Team