




44 Carlisle Street, St. Catharines, ON
L2R 4H4
Listed August 4, 2026
About this property
Positioned in the heart of downtown St. Catharines, this mixed-use opportunity offers flexibility, visibility, and long-term potential in one of the city's most active urban corridors. Zoned M2-92, the property lends itself to a variety of uses, making it an attractive option for investors, entrepreneurs, and business owners alike. Imagine operating your business from the main level, complete with space for offices, client reception, or professional services, while utilizing the upper floor as a residential apartment to generate additional income or provide convenient live-work accommodations. Originally built in 1910, the property offers generous principal rooms, 3 bedrooms, and 2 bathrooms across a versatile layout. Key updates include a waste stack replacement (2022), serviced A/C (2023), and a well-maintained roof. An environmental report is available for added peace of mind. Just steps from the Meridian Centre, home of the IceDogs and River Lions, the First Ontario Performing Arts Centre, downtown restaurants, cafés, and local shops, the location benefits from exceptional walkability and exposure. With convenient access to the downtown transit hub, GO Station, Highway 406, and the QEW, commuting throughout Niagara, Hamilton, and the GTA is effortless. Whether you're looking to establish your business, expand your portfolio, or explore future redevelopment possibilities, this is a unique opportunity in a high-demand downtown location.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Cost of Ownership Calculator
What it could cost each month to own 44 Carlisle Street — mortgage, property taxes, fees, insurance, utilities and upkeep. Change any number to match your situation.
Your mortgage
$110,000 · Minimum $30,000
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
$3,619/mo
About $43,428 a year
- $2,433
- $273
- Home insurance$125
- Utilities$330
- Maintenance & repairs$458
Cash needed to close
- Down payment (20%)
- $110,000
- Ontario land transfer tax
- $7,475
- Legal fees, title insurance & inspectionEstimate
- $2,500
- Total
- $119,975
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
44 Carlisle Street, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: August 4, 2026
Listing Office: ROYAL LEPAGE NRC REALTY
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