230 Ontario Street, St. Catharines, ON

$649,900
MLS#:X13678884
0 beds
0 baths
Commercial
Commercial for sale - 0 Bed, 0 Bath Home at 230 Ontario Street St. Catharines ON listed at $649,900 (MLS# X13678884) - Main View
For Sale
Added:Aug 14, 2026(89 days ago)
Updated:Aug 16, 2026(87 days ago)
Last Checked:20 minutes ago

Property Highlights

Welcome to this remarkable commercial retail located in the coveted neighborhood of Downtown. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $649,900 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 0 Bathrooms
  • Premium 78.58 x 79.92 ft lot size
  • Convenient outside/surface garage included
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

Exceptional mixed-use investment/owner-occupier opportunity in downtown St. Catharines! This fully fenced, M1-zoned property offers main-floor commercial retail space plus a spacious 3-bedroom apartment above-ideal to live, work, and invest in one centrally located property.The highly visible retail space is owner-occupied as an established cannabis dispensary since October 2022, with a loyal customer base, consistent sales, and growth potential. It was previously ran as a cigar and convenience store for ~20 years, reflecting a long history of retail use. The sale includes the real estate along with existing business assets and goodwill (inventory will be extra cost), subject to T&C. Note: the Cannabis Retail Operator Licence is non-transferable-purchasers must obtain their own licence/approvals to operate the cannabis business. The Retail Store Authorization may be transferable, subject to regulatory approval.The second-floor unit offers 3 bedrooms, two 3-piece bathrooms, and a kitchen with 3 appliances-great for an owner-operator, extended family, or rental income. The partially finished basement adds storage, a small office, a 2-piece bathroom, and laundry facilities.Situated on busy Ontario Street, the property enjoys excellent exposure and multiple signage opportunities, with potential advertising revenue (subject to approvals). Transit is at doorstep , Montebello Park is a 5-minute walk, and the QEW/406 interchange is just 2 minutes away by car. The proposed 492-unit affordable housing development is planned within a 5-minute walk, potentially boosting neighbourhood density, foot traffic, and customer flow. A rare chance for investors, entrepreneurs, or owner-occupiers to secure a strategically located mixed-use property with an established retail presence and flexible living/income potential upstairs. .

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Property Summary

This commercial retail located at 230 Ontario Street, St. Catharines is currently for sale and has been available for 89 days. This property is listed at $649,900 with an estimated mortgage of $2,163* per month. It has 0 beds, 0 bathrooms, and is unknown square feet. 230 Ontario 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?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Downtown, St. Catharines.

Great for Small Household / Couples
What We Love About This Home
  • •Desirable Commercial Retail architecture in Downtown, St. Catharines
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Property Type
Commercial

Additional Details

StatusActive
Price$649,900
AddedAug 14, 2026 (89 days ago)
UpdatedAug 16, 2026 (87 days ago)
Last Checked20 minutes ago
Transaction TypeFor Sale
List Office NameSAM MCDADI REAL ESTATE INC.

Property Details

Property Sub-TypeCommercial Retail
Lot Size78.58 Ă— 79.92 Feet
CountyNiagara
Annual Tax$8,736.4
Rental ItemsN/A

Parking & Garage

Garage TypeOutside/Surface

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • No

Community Features

  • Major Highway
  • Public Transit

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 commercial retail at 230 Ontario 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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Dedicated St. Catharines Buyer Agent

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: $2,163*/month*. Estimated Ontario Land Transfer Tax: $9,473. 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 230 Ontario Street, St. Catharines, ON

Q.What is the asking price for 230 Ontario Street, St. Catharines, ON ?

The current listing price for 230 Ontario Street, St. Catharines, ON in Downtown, St. Catharines is $649,900.

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

This property features null bedrooms and null bathrooms.

Q.What property type and architectural style is 230 Ontario Street, St. Catharines, ON ?

230 Ontario Street, St. Catharines, ON is a Commercial Retail () featuring a basement.

Q.What neighborhood and community amenities are nearby?

Community features and nearby amenities include: Major Highway, Public Transit.

Q.What security features are installed at 230 Ontario Street, St. Catharines, ON ?

Security features include: No.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

Location

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230 Ontario 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 230 Ontario Street, St. Catharines, ON L2R 5L1

Estimated Sales Range
$617,000 - $637,000

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$194,970 (30.0%)
* Minimum Canadian down payment required for this price is $39,990.
Amortization Period30 Years
Estimated Monthly Payment$2,163Based on a loan of $454,930 over 30 years.
Purchase Price$649,900
Loan Amount$454,930
Provincial Land Transfer Tax:$9,473
Total Estimated Closing Taxes:$9,473

About Purchasing a Home in St. Catharines, ON

For a property listed at $649,900 in St. Catharines, the legal minimum down payment is $39,990 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 $9,473 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 $9,473.

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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%

Need more details or a custom CMA?

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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.

MLS® Active
$649,900

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