For SaleStore W Apt/Office

194-196 St. Paul Street

$999,900
2 Bath3,794 sqft$264/sq ft61d on market
MLS# X13116806Downtown, St. Catharines · L2R 3M2
Bedrooms
Bathrooms
2 Bath
Size
3,794 sq ft
Parking
1 None

About This Listing

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.

Monthly Mortgage (P&I)$4,356
Property Tax (MLS)$1,087
Maintenance Fees$0
Total Monthly Cost$5,443

Down payment: $199,980 (20.0%) · Mortgage: $799,920

Property tax uses MLS annual tax of $13,039/yr. Uses the standard Canadian semi-annual compounding convention. Estimates only—not a pre-approval or offer of credit. Actual rates and eligibility may vary. Provincial sales tax on mortgage insurance, when applicable, is not included. Consult a mortgage professional for accurate figures.

Property Details

MLS NumberX13116806
Property TypeStore W Apt/Office
StyleStore With Apt/Office
Listing TypeFor Sale
StatusActive
Bathrooms2
Size3,794 sq ft
Parking Spaces1
Parking TypeNone
Property Tax$13,039.13/yr
Days on Market61
Listed2026-05-12
CommunityDowntown
MunicipalityNiagara
Cross StreetJames Street

Listing provided by ROCK STAR REAL ESTATE INC.

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Data last updated: August 23, 2026 at 04:25 a.m.