16 Elk Street, St. Catharines, ON
L2S 1A2
Listed September 11, 2026
Virtual Tour
About this property
Tucked away on a quiet cul-de-sac just off Pelham Road, 16 Elk Street feels worlds away from the city-yet everything St. Catharines has to offer is only minutes from your door. Set on a remarkable 1.62-acre property surrounded by mature trees, the backyard offers the privacy and peaceful atmosphere of a Muskoka retreat. Wake to sunlight streaming through the home's large windows and deer grazing in the backyard. Spend evenings on the composite deck, relaxing in the swim spa beside a beautiful 'Princess Elizabeth' magnolia while taking in views of the Brock Tower in the distance. From your own property, hike down to the Twelve Mile Creek Trail and walk to Rotary Park. The all-brick raised bungalow offers 3+1 bedrooms, 2 full bathrooms and just under 2,000 square feet of finished living space, providing plenty of room for your family to grow. A solid poured-concrete foundation, all brick exterior, paved double-wide driveway and attached drive-through garage with front and rear doors add lasting quality and everyday convenience. More than a home, 16 Elk Street is a place to slow down, reconnect with nature and escape the busyness of life without leaving the city. Please note: some photos have been virtually staged.
Features
Property Details
Listing
Property
Parking & Land
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 16 Elk Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$169,980 · Minimum $59,990
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$5,435/mo
About $65,220 a year
- $3,759
- $513
- Home insurance$125
- Utilities$330
- Maintenance & repairs$708
Cash needed to close
- Down payment (20%)
- $169,980
- Ontario land transfer tax
- $13,473
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $185,953
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
16 Elk Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 11, 2026
Listing Office: RE/MAX HALLMARK REALTY LTD.
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