194-196 St. Paul Street, St. Catharines, ON L2R 3M2
451 - Downtown, St. Catharines · Near James Street · View map
About this home
An exceptional leasing opportunity in the heart of downtown St. Catharines, offering unmatched character, visibility, and flexibility in a well-maintained historic two-storey commercial building. Originally constructed as a turn-of-the-century bank, the property features a striking open-concept main floor with high ceilings, excellent natural light, gas fireplace, bar and island area, ample cabinetry, appliances included, a two-piece washroom, and distinctive architectural details including the original bank vault. The space has previously operated as both a café and pizza restaurant and is well suited for food and beverage use, including the potential to open a restaurant or pizzeria, with a wood-burning oven in place and existing furniture such as tables and chairs. The second floor provides additional flexible usable space ideal for offices, meeting rooms, creative or event-style use and includes two two-piece washrooms, a separate shower room with sink, a kitchenette, and multiple storage areas. A full basement offers additional storage and utility space, one parking space is included at the rear, and the property is ideally located just steps from the Meridian Centre, FirstOntario Performing Arts Centre, and the downtown core's shops, restaurants, and amenities.
The home
- Type
- Store w apt / office
- Square footage
- 3747 sq ft
- Bathrooms
- 4
- Lot size
- 37 x 85.5 ft
Ownership & fees
- Ownership
- Freehold
- Monthly condo fee
- None
Heating & cooling
- Heating type
- Gas Forced Air Open
- Air conditioning
- Yes
Garage & parking
- Total parking
- None
Taxes & other
- Property taxes
- $13,039/yr
- Tax year
- 2025
- Occupancy
- Vacant
- Possession
- Flexible
- Cross street
- James Street
- Neighbourhood
- 451 - Downtown
More
- MLS® number
- X13116568
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No features listed yet.
- Mortgage
- Property tax
- Maintenance fee
Cash needed to close
Estimates only, using Canadian semi-annual compounding, Ontario land transfer tax. Mortgage default insurance is added when you put down less than 20%. Your lender and lawyer will confirm exact numbers.
194-196 St. Paul Street, St. Catharines, ON L2R 3M2
451 - Downtown, St. Catharines · Near James Street
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Listing history for 194-196 St. Paul Street
See what this home and others at the same address were listed for, what they sold for, and how long it took.
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Frequently asked questions about 194-196 St. Paul Street
Answers come straight from this home’s MLS® listing.
How much is 194-196 St. Paul Street listed for, and what would it cost each month?
194-196 St. Paul Street is listed for $3,800. With 20% down ($760), the mortgage payment would be roughly $15 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $1,102 a month, all in. That figure is an illustration, not a quote.
Is 194-196 St. Paul Street freehold or a condo, and is there a monthly fee?
194-196 St. Paul Street is a store w apt / office in 451 - Downtown, St. Catharines. Ownership is freehold: you own the home and the lot. There is no monthly condo fee, so the roof, windows, driveway, snow and lawn are yours to look after.
Does 194-196 St. Paul Street have a garage and parking?
The listing does not show a garage. The listing does not include a parking space.
What style of home is 194-196 St. Paul Street?
194-196 St. Paul Street is a store w apt / office. Commercial property covers retail, office, industrial and investment buildings and businesses for sale or lease.
How big is 194-196 St. Paul Street, and what is the lot size?
The lot is listed as 37 x 85.5 ft.
How is 194-196 St. Paul Street heated and cooled?
Heating is gas forced air open. Cooling is yes.
What are the property taxes for 194-196 St. Paul Street?
Property taxes are $13,039 a year (2025), or about $1,087 a month.
Where is 194-196 St. Paul Street?
194-196 St. Paul Street is in the 451 - Downtown community of St. Catharines. The nearest main intersection is James Street. The postal code is L2R 3M2.
Is 194-196 St. Paul Street still for sale?
Yes. It is an active listing (MLS® X13116568). Listings here update from the board through the day and come down once a home sells.
What are similar properties near 194-196 St. Paul Street asking?
Similar properties for sale nearby right now include 194-196 St. Paul Street at $999,900, 73 St. Paul Street at $2,799 and 19 Court Street at $3,200. These are asking prices, not sold prices. The Sold history tab shows what homes at this address went for.
What have homes at 194-196 St. Paul Street sold for?
Recent sales, leases and expired listings for this home and others at the same address are in the Sold history tab, with the price and date of each. It is free for members.
How do I book a showing at 194-196 St. Paul Street?
Pick a day and time with Book a Tour on this page. Tours are free, with no obligation, in person or by video. You can also call or text 647-931-3923.
Have a different question? Ask about this home and get an answer, usually within the hour.
Similar properties nearby
More properties for sale near 451 - Downtown, picked by style, size and price.
Store w apt / office$999,900194-196 St. Paul Street, St. Catharines2 bath · 451 - DowntownCourtesy of: ROCK STAR REAL ESTATE INC.View home →
Commercial retail$2,79973 St. Paul Street, St. Catharines451 - DowntownCourtesy of: REVEL Realty Inc., BrokerageView home →
Office$3,20019 Court Street, St. Catharines451 - DowntownCourtesy of: ROBIN HOOD REALTY LIMITEDView home →Courtesy of: ROCK STAR REAL ESTATE INC.
Listing information comes from the Toronto Regional Real Estate Board through PropTx and is deemed reliable but is not guaranteed accurate. It is provided for consumers' personal, non-commercial use. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA.
*Estimated monthly cost assumes 20% down, a 4.5% rate and a 30-year amortization, plus property tax. For illustration only.