




196 King Street, St. Catharines, ON
L2R 3J7
Listed October 28, 2026
About this property
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. Contact the City for details. Buyers to do their own due diligence.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 196 King Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$129,980 · Minimum $39,990
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
$4,793/mo
About $57,516 a year
- $2,875
- $921
- Home insurance$125
- Utilities$330
- Maintenance & repairs$542
Cash needed to close
- Down payment (20%)
- $129,980
- Ontario land transfer tax
- $9,473
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $141,953
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
196 King Street, St. Catharines, ON
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Last Updated: October 28, 2026
Listing Office: RE/MAX NIAGARA REALTY LTD, BROKERAGE
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