27 William Street, St. Catharines, ON

$650,000
MLS#:X13500724
0 beds
0 baths
Commercial
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Property Highlights

Welcome to this remarkable investment 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 $650,000 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.

  • 0 Bedrooms and 0 Bathrooms
  • Premium 22 x 66 ft lot size
  • equipped with yes central cooling and highly efficient gas forced air closed heating

Description

Positioned on the prominent corner of William Street and King Street in the heart of downtown St. Catharines, this extensively renovated multi-unit commercial property presents an outstanding investment opportunity for those looking to acquire or expand a rental portfolio. Significant capital improvements have been completed throughout the building, including new electrical service with a 200-amp panel, all-new plumbing, a new furnace with ductwork, new hot water tank, new windows, doors, flooring, drywall, and insulation throughout the walls and ceilings. Two units have been substantially completed with renovated kitchenettes and washrooms, while two additional units have all plumbing rough-ins completed and are ready for finishing to suit your leasing strategy. Situated in a highly visible downtown location within walking distance of restaurants, retail, public transit, and numerous amenities, this property offers exceptional long-term income and value-add potential.

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Property Summary

This investment located at 27 William Street, St. Catharines is currently for sale and has been available on SousaSells for 16 days. This property is listed at $650,000 with an estimated mortgage of $2,164* per month. It has 0 beds, 0 bathrooms, and is unknown square feet. 27 William Street, St. Catharines is in the 451 - Downtown neighborhood.

* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.

Key Features

Property Type
Commercial

Additional Details

StatusActive
Listed Date6/26/2026
Transaction TypeFor Sale

Property Details

Property Sub-TypeInvestment
Lot Size22 × 66 Feet
CountyNiagara
Annual Tax$10,933.67

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Closed
CoolingYes

Features

Property Features

Interior Features

Security Features

Community Features

Location

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27 William Street, St. Catharines, ON
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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 27 William Street, St. Catharines, ON L2R 5H9

Estimated Sales Range
$1.2M - $1.4M

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.

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Interest Rate4.00%
Down Payment$195,000 (30.0%)
* Minimum Canadian down payment required for this price is $40,000.
Amortization Period30 Years
Estimated Monthly Payment$2,164Based on a loan of $455,000 over 30 years.
Purchase Price$650,000
Loan Amount$455,000
Provincial Land Transfer Tax:$9,475
Total Estimated Closing Taxes:$9,475

About Purchasing a Home in St. Catharines, ON

For a property listed at $650,000 in St. Catharines, the legal minimum down payment is $40,000 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 $9,475 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 $9,475.

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City & Neighborhood Guide

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

Verified Local Data
City Population6,202,225
City Median Age39.6 Yrs
City Ownership65% Owners
Avg Area List Price$700,070

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
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
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

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Homes & Housing

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied65%
Rented35%

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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.