177 PELHAM Road, St. Catharines, ON
L2S 1V8
Listed September 11, 2026
About this property
ATTENTION INVESTORS & HOUSE HACKERS! This updated duplex at 177 Pelham St offers VACANT POSSESSION, so you can live in one unit and rent the other, or choose your own tenants and SET YOUR OWN RENTS. The main floor features a spacious 3-bedroom unit, while the upper level offers a 2-bedroom unit with its own separate entrance. Each unit has its own SEPARATE HYDRO METER (2), making utility billing simple. Major updates are already done, including NEW WINDOWS (2025) and UPDATED KITCHENS & BATHROOMS (2026), so you can move in or rent out with confidence. Looking for more upside? The FULL-HEIGHT unfinished basement has a SEPARATE ENTRANCE and potential for a future 1-2 bedroom apartment or secondary suite. Set on a CORNER LOT with plenty of rear yard space, the property also invites buyers to explore future ADU or garden suite potential under current zoning bylaws. The location is hard to beat in St. Catharines, close to Brock University, the Pen Centre, downtown, the GO Train, transit, shopping and major routes. 5 BEDROOMS, 2 UNITS, VACANT POSSESSION and EXPANSION POTENTIAL. Opportunities like this do not come along often!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 177 PELHAM Road — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$104,980 · Minimum $27,490
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
$3,490/mo
About $41,880 a year
- $2,322
- $276
- Home insurance$125
- Utilities$330
- Maintenance & repairs$437
Cash needed to close
- Down payment (20%)
- $104,980
- Ontario land transfer tax
- $6,973
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $114,453
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
177 PELHAM Road, St. Catharines, ON
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Last Updated: September 11, 2026
Listing Office: RE/MAX ESCARPMENT GOLFI REALTY INC.
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