405 Merritt Street Unit 2, St. Catharines, ON
L2P 1P5
See all units in this building · 405 Merritt Street
Listed August 4, 2026
About this property
Welcome to St. James Lofts, a distinctive boutique condo set within a beautifully converted historic church. Rich in architectural character and thoughtfully adapted for modern living, this unique residence is ideally located just steps from shopping, restaurants, transit to Brock University, and convenient highway access.Filled with natural light from oversized windows, the open-concept layout showcases soaring ceilings and a spacious loft-inspired design. The kitchen features full-size appliances and a large island. The unit also offers excellent storage, including a generous front closet and additional storage space within the in-suite laundry. Exclusive parking, shared balcony access, and heat and water included in the condo fees add to the appeal.Blending historic charm with contemporary comfort, this one-of-a-kind loft-style condo is a rare offering you won't want to miss. Comes fully furnished, offering an easy, turn-key opportunity for both homeowners and investors.
Features
Property Details
Listing
Property
Condo / Building
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 405 Merritt Street Unit 2 — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$54,000 · Minimum $13,500
Use the rate your lender or broker quotes you.
Monthly costs
From the listing (2025 tax bill).
From the listing.
Typical for this kind of home.
Hydro and anything the condo fee doesn't cover.
About 0.25% of the price a year, set aside.
One-time costs
A typical estimate — your lawyer will confirm.
Estimated monthly cost of ownership
$1,955/mo
About $23,460 a year
- $1,194
- $191
- Condo / maintenance fees$359
- Home insurance$35
- Utilities$120
- Maintenance & repairs$56
Cash needed to close
- Down payment (20%)
- $54,000
- Ontario land transfer tax
- $2,525
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $59,025
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
405 Merritt Street Unit 2, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: August 4, 2026
Listing Office: RE/MAX WEST REALTY INC.
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