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177 PELHAM Road, St. Catharines — listed at $524,900. Earn buyer cashback at closing. No catches, just more money in your pocket.
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! (id:60164)
How is the home heated? Is it efficient?+
Heating is forced air, natural gas. Gas heating is generally the most cost-efficient option in Ontario winters.
What are the ongoing costs beyond the mortgage?+
Budget for annual property taxes of $3,315.95, heating is forced air, natural gas. Always verify the latest figures with your agent before making an offer — these change yearly.
Is there air conditioning?+
No central cooling is listed. Budget for portable or window units, or get a quote for adding central air — typically $5,000–$10,000 installed.
Is 177 PELHAM Road a good fit for a growing family?+
With 5 bedrooms and 2 bathrooms (1300 sq ft), there's room for kids plus a guest room or home office. The 1.5-storey layout keeps living and sleeping areas separated.
This home was built in 1950 — what should I watch for?+
Homes from this era may have original wiring, plumbing, or insulation. Key checks: electrical panel (100 vs 200 amp), roof age, furnace age, and whether the basement has ever had water issues. A thorough home inspection is essential.
Is this a good starter home?+
At $524,900, this is priced in starter-home territory for St. Catharines. With multiple bedrooms, it has room to grow into. Factor in property taxes when calculating your true monthly cost.
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