99 Church Street Unit 309, St. Catharines, ON
L2R 3E1
Listed August 17, 2026
About this property
Welcome to 99 Church Street, ideally located in the heart of Downtown St. Catharines! This bright and inviting 1-bedroom apartment offers comfortable, convenient living in a fantastic central location. The unit features a functional layout with a well-sized bedroom and comfortable living space, making it an excellent option for a professional, student, couple, or anyone looking to enjoy the convenience of downtown living. HEAT AND WATER ARE INCLUDED IN THE MONTHLY RENT, providing excellent added value and helping keep monthly expenses predictable. Parking and laundry are also available for added convenience. Location is a major highlight! Situated just steps from the vibrant downtown core, you'll have easy access to restaurants, cafés, shopping, entertainment, public transit and everyday amenities. Enjoy being close to Montebello Park, the Meridian Centre, FirstOntario Performing Arts Centre, St. Catharines Farmers Market and the shops and restaurants along St. Paul Street. Commuters will appreciate convenient access to Highway 406 and the QEW, while Brock University, Niagara College, the Pen Centre and Niagara Health - St. Catharines Site are all within easy reach. A great opportunity to enjoy affordable, centrally located living with excellent access to everything St. Catharines and the Niagara Region have to offer! Book your private showing today!
Features
Property Details
Listing
Property
Location
Taxes & Financials
Carrying Costs Calculator
What it could cost each month to rent 99 Church Street Unit 309 — rent, utilities, tenant insurance, internet and parking — plus the cash you’ll need to move in. Change any number to match your situation.
Rent
From the listing.
Utilities
Not clear from the listing — a typical bill. Ask the landlord.
The listing says the rent covers this.
The listing says the rent covers this.
Many Ontario homes rent their water heater — add it if the landlord passes it on.
Other monthly costs
Typical in Ontario — many landlords require it.
A typical plan in the area.
Add it if parking costs extra.
Coin laundry, a storage locker or other regular costs.
Moving in
Refundable when you return the keys — ask the landlord for the amount.
A typical local move with movers — less if friends help.
Account opening and installation fees.
Estimated monthly carrying cost
$1,944/mo
About $23,328 a year
- Rent$1,699
- $140
- Tenant insurance$30
- Internet$75
Included in the rent: Heat (gas), Water & sewer.
Cash needed to move in
- First month's rent
- $1,699
- Last month's rent deposit
- $1,699
- Key / fob depositRefundable
- $100
- Moving & set-upEstimate
- $1,000
- Total
- $4,498
Your first 12 months
- Rent and monthly costs12 months
- $23,328
- Moving & set-up
- $1,000
- Total
- $24,328
Deposits aren’t an extra cost: the last-month deposit pays your final month and the key deposit comes back when you return the keys.
Planning ahead
- Household income to keep rent + utilities at 30%CMHC's affordability guideline — landlords often use a similar test
- $74,000/yr
- Highest rent at your first renewalOntario's 2027 guideline (1.9%), once a year with 90 days' written notice. Units first lived in after November 15, 2018 aren't capped.
- $1,731/mo
Estimates only — not legal or financial advice. Deposits and rent increases follow Ontario’s Residential Tenancies Act; utilities, insurance, internet and moving costs are typical figures for the area. Confirm what the rent includes with the landlord before you sign.
Location & Walkability
99 Church Street Unit 309, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: August 17, 2026
Listing Office: The Agency
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