385 St. Paul Street, St. Catharines, ON
L2R 3N1
Listed November 9, 2026
About this property
YOUR NEXT INVESTMENT STARTS ON ST. PAUL! Positioned in downtown St. Catharines, TWO INCOME STREAMS. ONE COMPELLING OPPORTUNITY! Welcome to 385 St. Paul Street, a fully rented, two-storey mixed-use property with a commercial tenant on the main floor and residential tenants upstairs. The upper level features two full bathrooms, shared kitchen and living space, laundry and four skylights. A prominent commercial storefront, basement storage, rear outdoor area, parking for 3-5 vehicles (Court Alley) access add functionality and appeal. C6 Downtown Traditional Main Street zoning supports a mix of commercial business activities, subject to applicable city approvals. This property combines current rental income with long-term versatility.
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Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 385 St. Paul Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$215,800 · Minimum $215,800
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
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One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$6,121/mo
About $73,452 a year
- $4,773
- $1,348
Cash needed to close
- Down payment (20%)
- $215,800
- Ontario land transfer tax
- $18,055
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $236,355
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
385 St. Paul Street, St. Catharines, ON
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Last Updated: November 9, 2026
Listing Office: EXP REALTY
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