




177 James Street, St. Catharines, ON
L2R 5C4
Listed October 20, 2026
About this property
Prime Downtown Opportunity With Flexible C1 Zoning & Private Rear Parking For 3-4 Vehicles (W/Potential For More Parking Space). Highly Visible 1144sf Detached Bungalow On A 37 X 100 Ft Lot In The Heart Of Downtown St. Catharines. Previously Used As An Office, The Property Offers Excellent Exposure For Your Business And Potential For A Variety Of Other Permitted Commercial, Service, Office, And Retail Uses, Subject To Applicable Zoning Requirements. Originally A 2-Bedroom Single-Family Home And Later Converted To A Commercial Office Use, The Property Offers A Welcoming Atmosphere And A Functional Residential-Style Layout. The Main Level Features A Large Open Office/Reception Area, A Kitchen, A Full 4-Piece Bathroom, 2 Private Offices, An Additional Open Workspace, And A Convenient Rear-Entry Laundry/Mudroom Area. Situated In A Prominent Downtown Location With Private Parking At The Rear Of The Property, This Is An Excellent Opportunity For Business Owners, Investors, Or Professionals Seeking A Stand-Alone Commercial Building With Exceptional Visibility And Accessibility. Why Lease When You Can Own Your Own Commercial Space And Invest In Your Own Equity? A Rare Opportunity To Secure An Affordable Well-Located Commercial Property In One Of St. Catharines' Most Established Business Districts. *Some Photos Have Been Virtually Staged. *The City of St. Catharines Requires Rezoning and/or Permits For Mixed Use or Home Based Business.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 177 James Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$57,800 · Minimum $14,450
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2026 tax bill).
Leave at $0 if there isn't one.
Typical for this kind of home.
Hydro, heating, water and sewer.
About 1% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$2,625/mo
About $31,500 a year
- $1,278
- $651
- Home insurance$125
- Utilities$330
- Maintenance & repairs$241
Cash needed to close
- Down payment (20%)
- $57,800
- Ontario land transfer tax
- $2,810
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $63,110
Estimates only — not a mortgage approval, quote or tax advice. Payments assume a fixed rate compounded semi-annually; minimum down payments, mortgage insurance and land transfer tax follow current CMHC and Ontario rules. Insurance, utilities and upkeep are typical figures for the area. Your lender, lawyer and insurer will confirm your exact costs.
Location & Walkability
177 James Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 20, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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