119 Pelham Road, St. Catharines

$489,900
119 Pelham Road

$489,900

New
3d
Detached1 1/2 Storey

119 Pelham Road, St. Catharines

Total Monthly Obligation $2,614

Beds
4
Baths
2
Park
4
Sqft
1100-1500
DOM
3d
Score
29
Yield
7.2%
Cash on Cash
6.6%
Cap Rate
6.0%
5Y IRR
20.9%
10Y IRR
19.0%
Property Type-Detached
MLS® Number-X14097328
Beds-4
Bathrooms-2
Size-1100-1500 sqft
Lot Size-40 × 105 ft
Listed on site-Oct 20, 2026
Style-1 1/2 Storey
Building Type-Detached
Age-51-99
Taxes-$3,150.14 (2026)
Parking-4 - None
Basement-Finished, Separate Entrance
Heating-Forced Air (Gas)
Brokerage-CENTURY 21 PERCY FULTON LTD.
Cooling-Central Air
Laundry-No
Fireplace-Yes
Pool-None
Facing-East
Exterior-Vinyl Siding, Brick Veneer
Roof-Asphalt Shingle
Foundation-Concrete Block
Sewer-Sewer
Possession-Immediate
Neighbourhood-458 - Western Hill
Title-Residential Freehold

No agent assigned

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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$
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(utilities, internet...)
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%
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Closing Costs

Mortgage Amount
$391,920
Land Transfer Taxes$6,273
Legal Fees (Est.)
$
Total cash required for closing$105,753

Total Monthly Obligation

$2,614/mo
Mortgage $1,976
Monthly Loss $2,094
Principal$520
Interest$1,456
Property Tax$263
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
4.9%37
Cash-on-Cash
0.3%8
5-Year IRR
15.9%77
10-Year IRR
15.4%
Returns Index
41.1/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeD
29/ 100
Avoid•Pass

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$35,160/yr
NOI
$23,994/yr
Net Cash Flow
$23/mo
Cash Margin
0.8%6
Cash Flow Index
5.5/ 100
Risk Profile
Weight: 20%
DSCR
1.0128
LTV Ratio
80.0%18
Vacancy Buffer
3.6 mo62
Risk Index
36.1/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 119 Pelham Road

Time

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