176 James Street, St. Catharines, ON

$899,000
MLS#:X13228818
3 beds
3 baths
2500-3000 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 3 Bath Home at 176 James Street St. Catharines ON listed at $899,000 (MLS# X13228818) - Main View
For Sale
Added:Jun 2, 2026(155 days ago)
Updated:Nov 3, 2026(1 day ago)
Last Checked:8 minutes ago

Property Highlights

Welcome to this remarkable 2-Storey detached located in the coveted neighborhood of Downtown. Expertly crafted featuring premium brick construction, this residence presents an exceptional opportunity offered at $899,000 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.

  • 3 Bedrooms and 3 Bathrooms
  • Generous living space spanning 2500-3000 sqft on a premium 40 x 115 ft lot
  • Features a full, partially finished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (4.0 total parking spaces)
  • Notable attributes: Carpet Free
  • equipped with central air central cooling and highly efficient radiant heating via gas

Description

BEAUTIFULLY renovated, tastefully decorated brownstone is nestled in an urban chic downtown location on trendy "Lawyer's Row". This stunning home has been updated to today's standards while preserving the character and fine craftmanship in such details as intricate ceilings, high coved moldings, wide baseboards, stained glass, marble fireplace. Renovated throughout by HGTV's Scott McGillivray and interior design byJohn Kazmir, bringing luxurious interiors, gorgeous lighting, custom cabinetry and open light filled spaces. Chef's gourmet kitchen with large island, coffered ceiling, quartz counters, Thermador stainless steel gas range, fridge, dishwasher and 36 bottle high end wine fridge, heated floors, second staircase to 2nd floor, walkout to cedar screened Sunroom overlooking private, landscaped backyard, ideal for seasonal entertaining. Inlaid hardwood throughout, deep windows, 10 ft. ceilings on main and second floors, custom bookshelves, 2 pc powder rm. Second floor w/ 3 spacious bedrooms, 2 full baths incl. ensuite privilege w/claw foot tub, reclaimed brick wall, stained glass window. Second full bath w/laundry, double sinks, glass shower, hydronic towel warmer. Updated windows, roof (2018) high efficiency boiler (2018) c/air (2018). NEW ONE OF A KIND GLASS WALLED WINE CELLAR - up to 2100 bottle CAPACITY, Vintage Cellar wine racks & 2 wall mounted oak Champagne racks. Ideally located a short walk to Montebello Park, downtown businesses, shops and cafes, Niagara's best restaurants, Meridian Arena, Performing Arts Centre. Close to major highways, Ridley College, Brock U, Toronto, Hamilton, Buffalo & Niagara airports, fabulous hiking and cycling trails, scenic Niagara wine routes, all amenities., Commercial zoning allows many live/work opportunities. This impeccable home will impress the most discerning buyer! See Supplemental documents for additional information and features.

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Property Summary

This detached home located at 176 James Street, St. Catharines is currently for sale and has been available for 155 days. This property is listed at $899,000 with an estimated mortgage of $2,992* per month. It has 3 beds, 3 bathrooms, and is 2500-3000 square feet. 176 James Street, St. Catharines is in the Downtown neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 3 bathrooms, this home offers ample space and comfort for growing families in Downtown, St. Catharines.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •3 well-appointed bathrooms
  • •2500-3000 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in St. Catharines.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
3
Kitchens
1
Living Area
2500-3000 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$899,000
AddedJun 2, 2026 (155 days ago)
UpdatedNov 3, 2026 (1 day ago)
Last Checked8 minutes ago
Transaction TypeFor Sale
List Office NameROYAL LEPAGE NRC REALTY

Property Details

Property Sub-TypeDetached
Architectural Style2-Storey
ConstructionBrick
BasementFull, Partially Finished
Lot Size40 Ă— 115 Feet
CountyNiagara
Annual Tax$5,300
Legal DescriptionLot 611, CP2, Grantham, St. Catharines

Parking & Garage

Parking Total4.0
Parking Space4
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceGas
Heat TypeRadiant
CoolingCentral Air

Features

Property Features

  • Arts Centre
  • Fenced Yard
  • Golf
  • Hospital
  • Library
  • Park

Interior Features

  • Carpet Free

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

St. Catharines Home Buyer Advisory & Market HubActive MLS® Listing in St. Catharines, Ontario

Looking to Buy a Home in St. Catharines?

If you are looking for a house in St. Catharines or researching St. Catharines real estate for sale, this 3-bedroom detached at 176 James Street, St. Catharines, ON offers an exceptional opportunity to buy a home in St. Catharines, Ontario. Whether you are a first-time St. Catharines home buyer or comparing active St. Catharines MLS® homes for sale, working with a dedicated St. Catharines buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

St. Catharines Homes for Sale & MLS® Listings

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Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced St. Catharines realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

St. Catharines Buyer Budget & Costs

Estimated mortgage: $2,992*/month*. Estimated Ontario Land Transfer Tax: $14,455. First-time St. Catharines home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in St. Catharines

Frequently Asked Questions about 176 James Street, St. Catharines, ON

Q.What is the asking price for 176 James Street, St. Catharines, ON ?

The current listing price for 176 James Street, St. Catharines, ON in Downtown, St. Catharines is $899,000.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 3 bathrooms across approximately 2500-3000 sqft.

Q.What property type and architectural style is 176 James Street, St. Catharines, ON ?

176 James Street, St. Catharines, ON is a Detached (2-Storey) featuring a Full, Partially Finished basement.

Q.What key property features does 176 James Street, St. Catharines, ON offer?

Key property features include: Arts Centre, Fenced Yard, Golf, Hospital, Library, Park.

Q.What interior features are included in this home?

Interior highlights include: Carpet Free.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Gas and cooling via Central Air.

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Location

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176 James Street, St. Catharines, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Downtown, St. Catharines

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 176 James Street, St. Catharines, ON L2R 5C5

Estimated Sales Range
$854,000 - $881,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

Configure Loan Settings

Interest Rate4.00%
Down Payment$269,700 (30.0%)
* Minimum Canadian down payment required for this price is $64,900.
Amortization Period30 Years
Estimated Monthly Payment$2,992Based on a loan of $629,300 over 30 years.
Purchase Price$899,000
Loan Amount$629,300
Provincial Land Transfer Tax:$14,455
Total Estimated Closing Taxes:$14,455

About Purchasing a Home in St. Catharines, ON

For a property listed at $899,000 in St. Catharines, the legal minimum down payment is $64,900 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $14,455 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $14,455.

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Downtown, St. Catharines Neighborhood Guide

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

Verified Local Data
City Population323,103
City Median Age40.5 Yrs
City Ownership86% Owners
Avg Area List Price$761,815

People & Families

Age Distribution

Household Composition

One-person households
15%
Families with children
52%
Couples without children
28%
Other households
5%

Top Ethnic Origins

Italian35%
Canadian10%
Russian8%
Chinese6%

Best Schools in Downtown, St. Catharines

Elementary Schools

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

Secondary Schools

No secondary schools data loaded.

Downtown, St. Catharines Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied86%
Rented14%

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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.

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