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$480K · 1+1 bed Semi-Detached · 458 - Western Hill, St. Catharines | MyPropertyScout

$480,000

233 PELHAM Road

1+12TenantOccupied

Map

$480,000

D●●●○○

233 PELHAM Road

St. Catharines · Ontario L2S 1W8

MLS® X13114282 · 458 - Western Hill · L2S 1W8

1+12TenantOccupied< 700 ft²Semi-Detached None$686/ft²Lot 18 x 124 ft< .50 ac$2,084 tax/yrBuilt 195175 yrs old

9% above market

Scoring based on Property Scout Neighbourhood Intelligence — use as guidance only, sometimes it's not so intelligent 👍

About this home

Fully renovated top to bottom and no rear neighbours backing onto a ravine! Instant cash flow with this rare semi detached bungalow in the heart of western hill area - close to all schools, trails and amenities! Main floor open concept offers 4 piece bathroom with tub and tiled shower surround, generous size bedroom and bright living area! Kitchen offers plenty of countertop space with island and plenty of cabinets for storage. Exterior concrete walkway leads to a separate entrance into the base…

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Property details

MLS#: X13114282
Status: Buy Now
Beds: 1+1
Baths: 2 full, 0 half
Size: < 700
Style: Bungalow
Type: Semi-Detached
Year built: —

Roof: Asphalt Shingle
Foundation: Concrete Block
Property features: Hospital

Garage: None
Garage spaces: 0
Parking: 1 total
Lot: 18 × 124
Heating: Forced Air
Heating fuel: Gas
Cooling: Central Air
Fireplaces: —
Pool: No
Waterfront: No
Exterior: Concrete, Brick · Year Round Living
Fronting on: East
Cross street: Pelham Rd & Glendale
Basement: Separate Entrance, Finished
Stories: —
Utilities: —
Laundry: —
Interior: Water Meter, Accessory Apartment, Water Heater
Parking features: Private, Other

Rooms

Level	Room	Dimensions
Main	Living Room	4.26m × 3.17m
Main	Dining Room	4.26m × 3.04m
Main	Kitchen	4.26m × 3.35m
Main	Bedroom	4.26m × 3.35m
Main	Bathroom	—
Basement	Bathroom	—
Basement	Bedroom	3.05m × 3.66m
Basement	Kitchen	3.35m × 2.44m
Basement	Living Room	2.74m × 2.74m
Basement	Utility Room	1.83m × 1.83m

Property history

Sales History

NEW

Property sales history

Location details

Comparable sales

Neighbourhood stats

Brokered by: RE/MAX NIAGARA REALTY LTD, BROKERAGE

Source: TRREB/PROPTX · MLS® X13114282

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$480K

233 PELHAM Road · Bryon Bertrim

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Annual costs

Monthly carrying costs, utilities, and closing cost estimates.

Pre-filled from listing✓ $480,000✓ $2,084 tax✓ Gas✓ < 700 ft²✓ Ontario· Listing facts below · Ontario averages for utilities — drag sliders to match your home

Monthly all-in

$3,789/mo

incl. closing costs (yr 1)

Annual total

$45,471

year 1

Mortgage only

$1,821/mo

principal + interest

Beyond mortgage

$1,004/mo

taxes, utilities, upkeep

Financing

Purchase price

Down payment20%$96,000

20%+ down — no CMHC premium

Mortgage rate3.00%

Amortization

Province

Government

Property tax (annual)from listing$174/mo

Utilities

Hydro / electricity$75/mo

≈ $0.07/ft² × ~700 ft² · ON avg ~$75/mo

Gas$125/mo

Typical ON gas-heated home · ~$125/mo

Water / sewer$60/mo

ON municipal avg ~$60/mo

Internet / TV / phone$70/mo

ON internet/TV avg ~$70/mo

Maintenance & upkeep

Maintenance reserve1.0%$4,800/yr

1% of value/yr — standard reserve

Landscaping & snow$0/mo

Landscaping & snow removal · $0 default

Home insurance$100/mo

$100/mo default · adjust for your home

Security system$0/mo

Optional monitoring · $0 default

Closing costs (one-time, year 1)

Land transfer tax (ON)computed$6,075

Legal / lawyer fees

Home inspection

Title insurance

Moving costs

CMHC premiumNone (20%+ down)

Cost composition

Mortgage (P+I)48% $21,852/yr

Property taxes18% $8,159/yr

Utilities9% $3,960/yr

Insurance & security4% $1,600/yr

Maintenance11% $4,800/yr

Closing costs11% $5,100/yr

Mortgage is 48% of your true cost of ownership. The other 52% surprises most first-time buyers.

Full breakdown

Mortgage & financing
Mortgage (P+I)	$21,852	$1,821/mo
Government & taxes
Property tax	$2,084	$174/mo
Land transfer tax(closing)	$6,075	$506/mo
Insurance & protection
Home insurance	$1,200	$100/mo
Title insurance(closing)	$400	$33/mo
Utilities
Hydro / electricity	$900	$75/mo
Gas	$1,500	$125/mo
Water & sewer	$720	$60/mo
Internet / TV / phone	$840	$70/mo
Maintenance & upkeep
Maintenance reserve (1.0%)	$4,800	$400/mo
Closing costs (one-time)
Legal / lawyer(closing)	$2,500	$208/mo
Home inspection(closing)	$600	$50/mo
Moving costs(closing)	$2,000	$167/mo
Total	$45,471	$3,789/mo

Listing facts below · Ontario averages for utilities — drag sliders to match your home. CMHC added to loan principal only — not double-counted in chart.

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233 PELHAM Road

About this home

MyStreetValue™ Analysis

Property details

Rooms

Sales History

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Annual costs