Home ›Listings ›St. Catharines ›X13116806

194-196 St. Paul Street St. Catharines ON

📍 St. Catharines, Ontario L2R 3M2

$999,900

Active
2BATHS
37.01×85.49LOT (FT)

📋 Listing Highlights

StatusActive
MLS®X13116806
ListedMay 12, 2026
Days on Market—
Property TypeCommercial
StyleStore W Apt/Office
Cross StreetJames Street
PossessionFlexible

📝 Listing Description

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.

🏠 Property Details

Property TypeCommercial
StyleStore W Apt/Office
Bathrooms2

📐 Lot & Land

Lot Width37.01 ft
Lot Depth85.49 ft
Cross StreetJames Street

🔧 Building & Utilities

HeatingGas Forced Air Open
CoolingYes
GarageNone

💰 Financial

List Price$999,900
Annual Taxes$13,039.13 (2025)
PossessionFlexible

🧮 Mortgage Calculator

$199,980
Est. Monthly Payment
$4,912/mo
Principal: $799,920 · P+I only
Does not include taxes, insurance or CMHC

📍 Location

Listing provided by ROCK STAR REAL ESTATE INC.Data via PropTx MLS® / TRREB. Information deemed reliable but not guaranteed.MLS® #X13116806 · Last updated: Jul 14, 2026

Information deemed reliable but not guaranteed. © TRREB / PropTx. MLS® is a trademark of CREA. This website may only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate.