194-196 St. Paul Street, St. Catharines, ON

$999,900
MLS#:X13116806
0 beds
2 baths
Commercial
Loading property media...

Description

Property Highlights

Welcome to this remarkable [] store w apt/office located in the coveted neighborhood of 451 - Downtown. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $999,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 0 Bedrooms and 2 Bathrooms
  • Premium 37.01 x 85.49 ft lot size
  • Features a [] basement, adding superb versatility for recreation, a home gym, or extra storage
  • equipped with ["yes"] central cooling and highly efficient gas forced air open heating

Here is a rare opportunity to own a truly distinctive, well maintained commercial building in the heart of downtown St. Catharines, where location truly matters. This solid two storey, turn of the century former bank offers outstanding street presence and endless commercial possibilities. The main floor features soaring ceilings, an open concept layout, abundant natural light, gas fireplace, bar and island area, ample cabinetry, appliances included, a 2 piece bathroom, and iconic architectural elements including the original bank vault. The building was most recently operated as a food and beverage concept and would be ideal for a wide range of retail, hospitality, office, or service based uses. The second floor offers additional flexible space suitable for office, meeting, or creative use, with two half baths, shower, kitchenette, storage areas, and private rooms. A full basement provides even more functional storage space. One parking space is available at the rear of the building. Steps to the Meridian Centre, Performing Arts Centre, restaurants, and public transit, this is a unique asset in one of Niagara's most walkable downtown cores. Property is also available for lease.

Schedule a Tour

Contact us to schedule a private viewing of this property.

Contact Agent

Generate CMA Report

Key Features

Bathrooms
2
Property Type
Commercial

Additional Details

StatusActive
Listed Date5/12/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeStore W Apt/Office
Lot Size37.01 × 85.49 Feet
CountyNiagara
Annual Tax$13,039.13
Legal DescriptionLt 56 Cp Pl 2 Grantham Except Ro738093; T/W Ro7380

Parking & Garage

Garage Spaces1
Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
Cooling["Yes"]

Features

Property Features

Community Features

Major Highway, Public Transit

Location

Initializing map...
194-196 St. Paul Street, St. Catharines, ON
Loading local market trends...

Property History

No historical data available for this property.

This could be the first listing for this address.

Pricing & Value Insights

Data-driven valuation for 194-196 St. Paul Street, St. Catharines, ON L2R 3M2

Estimated Sales Range
$1.2M - $1.4M

Based on 0 recent similar sales in the pocket.

Market Speed
Loading stats...

Properties in this area are selling at a steady pace.

Market Trend
Calculating trend...
Financial Audit

Estimated Costs

Loan Amount$799,920
Monthly Mortgage$4,648
Property Tax (Est.)$1,087
Utilities & Maint.$350
Total Monthly Cost$6,085

Nearby School Rankings

No schools found within 3 km of this property.

Within 2km radiusFraser Institute Ratings

Nearby Listings

Distance:

No current listings found in St. Catharines.

City & Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for 451 Downtown, St Catharines.

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$850,000

People & Families

Age Distribution

Household Composition

One-person households
25%
Families with children
50%
Couples without children
24%
Other households
0%

Top Ethnic Origins

Chinese11%
English9%
Indian9%
Irish8%

Local Schools Guide

Elementary Schools

Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5
St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4

Secondary Schools

Laura Secord
Public349 Niagara Street, St. Catharines, Ontario, L2M 4V9
6.7
Eden
Public535 Lake Street, Port Dalhousie, St. Catharines, Ontario, L2N 4H7
7.8

Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

Need more details or a custom CMA?

Generate a full market evaluation or explore city guides using the sidebar links.

Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.