DAVIDS&DELAAT
177 James Street
+25 more

177 James Street, St. Catharines, ON

$289,000
For SaleNew

L2R 5C4

Listed October 20, 2026

2Bedrooms
1Bathrooms
1,100Sq. Ft.

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

Air ConditioningBasement

Property Details

Listing

MLS® NumberX14099226
StatusFor Sale
ListedOctober 20, 2026
Listing TypeFor Sale
Listing OfficeROYAL LEPAGE NRC REALTY

Property

Property TypeSingle Family Home
Interior Size1,100 ft²
Bedrooms2
Bathrooms1

Location

Community451 - Downtown
CitySt. Catharines
ProvinceON
Postal CodeL2R 5C4

Taxes & Financials

Asking Price$289,000
Property Taxes (2026)$7,812/yr

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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