194-196 St. Paul Street, St. Catharines, ON L2R 3M2
451 - Downtown, St. Catharines · Near James Street · View map
About this home
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.
The home
- Type
- Store w apt / office
- Square footage
- 3794 sq ft
- Bathrooms
- 2
- 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
- Driveway spaces
- 1
- Total parking
- 1
Taxes & other
- Property taxes
- $13,039/yr
- Tax year
- 2025
- Occupancy
- Vacant
- Possession
- Flexible
- Cross street
- James Street
- Neighbourhood
- 451 - Downtown
More
- MLS® number
- X13116806
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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 $999,900. With 20% down ($199,980), the mortgage payment would be roughly $4,033 a month at 4.5% over 30 years. Add property tax and the estimate comes to about $5,120 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 driveway adds 1 space. In total the listing counts 1 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® X13116806). 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 310 St. Paul Street at $1,095,000, 62 Welland Avenue at $999,000 and 58 Ontario Street at $998,500. 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$1,095,000310 St. Paul Street, St. Catharines4 bath · 451 - DowntownCourtesy of: ROYAL LEPAGE NRC REALTYView home →
Store w apt / office$999,00062 Welland Avenue, St. Catharines3 bath · 451 - DowntownCourtesy of: ROYAL LEPAGE NRC REALTYView home →
Office$998,50058 Ontario Street, St. Catharines451 - DowntownCourtesy of: ROYAL LEPAGE NRC REALTYView 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.