118 River Road, Pelham, ON L0S 1C0
Listed by Stephen Canjar • Real Broker Ontario Ltd.
118 River Road , Pelham, ON L0S 1C0
$ 1,525,000
Bed Rooms
4
Bath Rooms
3
SqFt
2,445
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Virtual Tour
50 photos
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Year Built
1850
Days of On-Site Use
--
Property Type
Single Family Home
Price per Sqft
$623
Car Garage
2.0
Property Details
Key Details
Sub Type
Detached
Listing Status
Active
Purchase Type
For Sale
Square Footage
2,445 sqft
MLS Listing ID
40846601
Bedrooms
4
Full Baths
2
Half Baths
1
Abv Grd Liv Area
2,445
Annual Tax Amount
$6,526
Property Sub-Type
Detached
Source
Cornerstone
Location
Province
ON
County
Niagara
Area
Pelham
Zoning
A1H
Direction
GPS may take you to the Welland address, closest intersection is South Pelham and River Road.
Rooms
Other Rooms
Barn(s), Shed(s), Storage, Workshop, Other
Basement
Separate Entrance, Partial, Unfinished
Main Level Bedrooms
1
Bedroom 2
3
Kitchen
1
Interior
Interior Features
Brick & Beam, Ceiling Fan(s)
Heating
Forced Air, Pellet Stove, Propane, Wood Stove
Cooling
Central Air
Fireplaces Number
2
Fireplaces Type
Pellet Stove, Wood Burning Stove
Fireplace
Yes
Window Features
Skylight(s)
Appliance
Dishwasher, Dryer, Refrigerator, Stove, Washer
Laundry
Upper Level
Exterior
Exterior Feature
Backs on Greenbelt, Deeded Water Access, Fishing, Storage Buildings, Year Round Living
Parking Features
Detached Garage, Circular, Gravel
Pool
Above Ground
Waterfront Description
River,Direct Waterfront,Pond,South,River Front,Access to Water,River/Stream
View Y/N
true
View
Golf Course, Panoramic, Park/Greenbelt, Pasture, Pond, Pool, River, Water
Roof Type
Asphalt Shing
Porch
Deck, Porch
Garage
Yes
Building
Lot Description
Rural, Square, Airport, Ample Parking, Near Golf Course, Greenbelt, Hobby Farm, Hospital, Open Spaces, Quiet Area, School Bus Route, Shopping Nearby
Faces
GPS may take you to the Welland address, closest intersection is South Pelham and River Road.
Foundation
Stone
Sewer
Septic Tank
Water
Well
Level or Stories
2
Structure Type
Brick,Vinyl Siding
New Construction
No
Others
Senior Community
No
Tax ID
644000223
Ownership
Freehold/None
Virtual Tour
https://youtu.be/fzZ1muwt38c
Copyright 2026 Information Technology Systems Ontario, Inc.
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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118 River Road

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Navjot Singh

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