192A ONTARIO Street, St. Catharines, ON
L2R 5L1
Listed September 11, 2026
About this property
Exceptional solid 3 bedroom brick home with Res/Comm M1 zoning, plus lower level one bedroom unit. Immaculately maintained and full of possibilities offering a rare combination of comfortable family living, multigenerational flexibility. Outstanding work-from-home or professional uses including drs office, registered massage therapist practice, lawyers office, mortgage broker or other permitted business opportunities. Main level offers 3 bedrooms, one bathroom, French doors, beautiful wood floors and doors add a cosy living experience. The lower level adds even more flexibility with a one bedroom unit making it an excellent option for rental income or a place for extended family, aging parents while keeping everyone under one roof. Enjoy outdoor living on the large deck with pergola covering. Modern new windows installed May 2026 and radiant/boiler heating and water heater installed 2020. The property also features a 1 1/2 car garage ideal for storage, workshop or a hobby enthusiast. This unique property is a rare opportunity to combine home, family, business and income property in one exceptional property.
Property Details
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Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 192A ONTARIO Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$91,800 · Minimum $91,800
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One-time costs
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Estimated monthly cost of ownership
$2,316/mo
About $27,792 a year
- $2,030
- $286
Cash needed to close
- Down payment (20%)
- $91,800
- Ontario land transfer tax
- $5,655
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $99,955
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
192A ONTARIO Street, St. Catharines, ON
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Last Updated: September 11, 2026
Listing Office: RE/MAX GARDEN CITY REALTY INC, BROKERAGE
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