234 Pelham Road, St. Catharines, ON
L2S 1X6
Listed October 21, 2026
Property Tour
About this property
**Over $200,000 Spent on Renovations!** Welcome to 234 Pelham Road, a beautifully upgradeddetached bungalow featuring a separate basement dwelling unit. Extensively renovated in 2022,the entire upper level showcases a modern kitchen with quartz countertops, pot lightsthroughout, new flooring, and a newly renovated washroom. The upper level offers 3 bedrooms, a4-piece bathroom, an additional 2-piece bathroom, and its own separate laundry. The basementfeatures a separate entrance and a 2-bedroom dwelling unit with 1 bathroom, a kitchen, and itsown laundry, offering excellent potential for rental income or extended family living. Thegarage has also been renovated. Major upgrades completed in 2022 include the furnace, airconditioning, roof shingles, and a new fence. Enjoy ample parking with space for **4 vehiclesin the driveway and 1 in the garage**. Conveniently located close to schools, parks, shopping,public transit, and major highways. An excellent opportunity for homeowners and investorsseeking a renovated property with two separate living spaces and income potential!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 234 Pelham Road — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$129,800 · Minimum $39,900
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
$4,157/mo
About $49,884 a year
- $2,871
- $290
- Home insurance$125
- Utilities$330
- Maintenance & repairs$541
Cash needed to close
- Down payment (20%)
- $129,800
- Ontario land transfer tax
- $9,455
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $141,755
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
234 Pelham Road, St. Catharines, ON
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Last Updated: October 21, 2026
Listing Office: CENTURY 21 PROPERTY ZONE REALTY INC.
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