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For saleMLS® X13116806

194-196 St. Paul Street, St. Catharines, ON L2R 3M2

Downtown · L2R 3M2

$999,900

$264 / sq ft

5 months on market

Bathrooms
2
Total area
3,794 sf
Lot
37.01 × 85.49 ft

What's special

  • Yes

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About this property

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

Property type
retail
Bathrooms
2
Interior size
3,794 sq ft
Lot size
37.01 × 85.49 ft
Zoning
C6
Possession
Flexible

Interior

Heating
Gas Forced Air Open
Cooling
Yes

Costs

List price
$999,900
Property taxes
$13,039 / year (2025)
Price per sq ft
$264

Listing

MLS® number
X13116806
Status
For sale
Listed
May 12, 2026
Days on market
177
Last updated
May 12, 2026
Listing brokerage
ROCK STAR REAL ESTATE INC.

Price & sale history

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Before you make an offer

What this home costs beyond the asking price, and how that price compares to what else is on the market.

How this price compares

This home is priced in line with comparable listings — about 55% of comparable retail listings in Downtown are asking less.

$290KMedian $840K$2.88M
This home
$264 / sq ft
Comparable median
$268 / sq ft

Based on 22 comparable active retail listings in Downtown. These are asking prices, not sale prices.

Mortgage estimate

Down payment7.5% · minimum $74,990
$74,990
Interest rate5-year fixed, illustrative only
4.49%
Amortization
Principal & interest
$5,113.99
Property tax (est.)
$1,086.59
Estimated monthly
$6,201

Estimate only. Excludes CMHC insurance premiums, which apply below 20% down, and does not constitute a mortgage approval or an offer of credit.

Land transfer tax

Payable on closing, on top of the purchase price.

Ontario
$16,473
Total due on closing
$16,473

An estimate on the asking price of $999,900. Rates current as of September 2026; confirm the final figure with your real estate lawyer.

Listing courtesy of ROCK STAR REAL ESTATE INC.. Listing data is provided in part by the Toronto Regional Real Estate Board (TRREB) and is deemed reliable but is not guaranteed accurate. Information is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties. Data is updated every 15 minutes.

$999,900

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