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. Listing data provided by the Toronto Regional Real Estate Board (TRREB). Data is deemed reliable but not guaranteed.
OWN YOUR BUSINESS ADDRESS IN DOWNTOWN ST. CATHARINES! A rare opportunity for business owners to buy a distinctive, professional office building in downtown St. Catharines. Offering approximately 2,235 sq. ft. of finished above-grade space, an additional 800 sq. ft. in the basement, and parking for up to 8 vehicles, 196 King Street combines the convenience of an established office layout with the advantages of owning your own commercial property. Designed to accommodate a growing business or professional practice, the main floor features an inviting reception foyer with coffee station, an open-concept collaborative workspace, two private offices, a boardroom-style office and a 2-piece washroom. The upper level offers a spacious executive office, three additional private offices and a 3-piece bathroom, providing room for a team to work comfortably under one roof. The property's charming exterior and welcoming wraparound porch create a memorable first impression, while multiple exterior entrances offer added flexibility for business operations. Eight on-site parking spaces are a valuable downtown advantage for owners, employees and clients. Conveniently located on King Street, the building is surrounded by established businesses, restaurants, cafés, and everyday amenities. The Meridian Centre, FirstOntario Performing Arts Centre, transit hub and GO Station are nearby, with convenient access to Highway 406 and the QEW. Whether you're relocating an existing business, establishing a professional practice or planning for future growth, this property offers the opportunity to invest in a building that can serve your business for years to come. Make your next business move one that builds equity. Explore the possibilities with this M2 zoned property. Buyers may qualify for the City of St. Catharines' Downtown Forgivable Loan Program, subject to eligibility requirements and program availability.
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Age Groups
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Owners vs Renters
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What’s NearbyDistances approximate
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Transit score information is not available for this listing.
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Always confirm school catchments with the local school board.
Estimated Rental Income
Rental estimate coming soon
We’re not showing a number until we have a data source we trust. When it’s connected, this section will show:
A monthly rent range from nearby leased homes of the same type and size
The leased comparables behind it (signed-in, VOW-gated)
Gross yield at the current list price
Monthly Cost
A quick estimate to plan with. Taxes come from the listing; change the other inputs to match your situation.
Estimated monthly$3,352/mo
Mortgage (principal + interest)$2,431
Property taxFrom listing: $11,054/yr$921
Minimum $39,990 down for this price; the slider moves in whole percent, starting at 7%. Under 20% adds mortgage default insurance. Confirm with a lender.
Mortgage uses Canadian semi-annual compounding. Houses-Gate doesn’t offer financing.
Estimated Budget
About how much cash you’ll need on closing day, besides the mortgage.
Down payment20% of the list price$129,980
Ontario land transfer taxProvincial brackets, no first-time refund$9,473
Legal fees & disbursementsTypical range $1,800–$2,800$1,800
Home inspectionTypical range $500–$800$600
Title insuranceTypical range $300–$600$400
Cash needed at closingEstimate$142,253
First-time buyers can get up to $4,000 back on Ontario land transfer tax. St. Catharines has no municipal land transfer tax (Toronto does).
Uses Ontario’s land transfer tax brackets and the down payment set in Monthly Cost. Legal, inspection and title-insurance figures are typical ranges, not quotes.
Listing data is provided under copyright by the Toronto Regional Real Estate Board (TRREB). The data is deemed reliable but is not guaranteed to be accurate. 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.
The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial purpose or any other purpose.
All information deemed reliable but not guaranteed. All properties are subject to prior sale, change, or withdrawal. Neither listing broker(s) nor HousesGate shall be responsible for any typographical errors, misinformation, misprints, and shall be held totally harmless.
