190 Highway 20 W #101, Pelham, ON L0S 1M0
Listed by Michael St. Jean • Michael St. Jean Realty Inc.
190 Highway 20 W #101 , Pelham, ON L0S 1M0
$ 429,000
Bed Rooms
2
Bath Rooms
2
SqFt
1,192
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Year Built
1987
Days of On-Site Use
--
Property Type
Condo
Price per Sqft
$359
Car Garage
1.0
Property Details
Key Details
Sub Type
Condo/Apt Unit
Listing Status
Active
Purchase Type
For Sale
Square Footage
1,192 sqft
MLS Listing ID
40789639
Style
1 Storey/Apt
Bedrooms
2
Full Baths
2
HOA Fees
$815/mo
HOA Y/N
Yes
Abv Grd Liv Area
1,192
Annual Tax Amount
$2,850
Property Sub-Type
Condo/Apt Unit
Source
Cornerstone
Location
Province
ON
County
Niagara
Area
Pelham
Zoning
RM1
Direction
Lookout St/Hwy 20 W
Rooms
Main Level Bedrooms
2
Kitchen
1
Interior
Interior Features
None
Heating
Baseboard, Electric
Cooling
Wall Unit(s), Window Unit(s)
Fireplace
No
Window Features
Window Coverings
Appliance
Dishwasher, Freezer, Refrigerator, Stove
Laundry
Coin Operated, Common Area, In Building, Laundry Room, Multiple Locations, Shared
Exterior
Exterior Feature
Recreational Area, Year Round Living
Parking Features
Exclusive
Pool
In Ground, Outdoor Pool
View Y/N
true
View
Garden, Trees/Woods
Roof Type
Flat
Porch
Patio
Garage
Yes
Building
Lot Description
Urban, Highway Access, Hospital, Park, Public Transit, Shopping Nearby
Faces
Lookout St/Hwy 20 W
Foundation
Concrete Perimeter
Sewer
Sewer (Municipal)
Water
Municipal
Architectural Style
1 Storey/Apt
Structure Type
Concrete
New Construction
No
Others
HOA Fee Include
Insurance,Building Maintenance,Cable TV,Common Elements,Maintenance Grounds,Water
Senior Community
No
Tax ID
648120019
Ownership
Condominium
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Residential financing tool — Navjot Singh

Residential mortgage & income qualification calculator

Ontario rules: minimum down payment tiers, CMHC/Sagen/Canada Guaranty insurance premiums, the federal stress test, GDS/TDS limits, and Ontario/Toronto land transfer tax. Enter the deal, see what income is required to qualify.

Purchase & mortgage inputs

Minimum required for this price: 5% on the first $500,000, 10% on the remainder.
Only 50% of condo fees count toward GDS/TDS.
Car loans, credit cards, student loans, other credit obligations.
Enter this to check pass/fail against required income. Leave at 0 to just see what's required.
Legal fees, title insurance, home inspection, adjustments.

Qualification & closing costs

Conventional (uninsured)
Loan amount
$0
Total mortgage (incl. premium)
$0
Monthly payment (contract rate)
$0
Monthly qualifying payment
$0
Stress-test qualifying rate (MQR)0.00%
GDS ratio (at qualifying rate)0.0%
TDS ratio (at qualifying rate)0.0%
Insurance premium rate—
Insurance premium$0
Ontario PST on premium (8%, cash)$0
Ontario land transfer tax$0
Ontario first-time buyer rebate$0
Toronto municipal land transfer tax$0
Toronto first-time buyer rebate$0
Total cash needed to close$0
For information purposes only. This calculator reflects publicly available federal and Ontario mortgage rules as of mid-2026 and does not constitute financial, legal, tax or mortgage advice. Confirm current rules and your actual qualification with a licensed mortgage professional or lender before making a decision.
  • Minimum down payment: 5% on the first $500,000, 10% on the portion from $500,000 to $1.5 million. Properties at or above $1.5 million require at least 20% down and cannot be insured.
  • Maximum insured amortization is 25 years, or 30 years if you are a first-time buyer or purchasing a new build. Insured mortgages also require a minimum credit score of 600 and a traditional (non-borrowed) down payment source.
  • The stress test qualifying rate is the greater of your contract rate + 2%, or the 5.25% regulatory floor.
  • GDS (39%) and TDS (44%) are standard insurer guidelines; individual lenders may apply different limits, especially for conventional (uninsured) mortgages.
  • Land transfer tax figures use current Ontario and Toronto marginal rate schedules and standard first-time buyer rebates. Other municipalities in Ontario do not currently levy a municipal land transfer tax.
Prepared by Navjot Singh.

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190 Highway 20 W #101

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