99 CHURCH Street Unit 401, St. Catharines, ON
L2R 3E1
Listed October 14, 2026
About this property
Welcome to 99 Church Street, where modern comfort meets exceptional convenience in the heart of downtown St. Catharines. Offering a beautifully upgraded 2 bedroom apartment suite, this well-maintained community is ideal for professionals, students, families, and retirees seeking quality living in a prime location. Each thoughtfully renovated suite features bright open-concept living spaces, stylish remodelled kitchens, updated bathrooms, ceramic and laminate flooring, spacious bedrooms with generous closet space, and new appliances. Private balconies provide the perfect place to relax, while heat and water are included for added value and convenience. Residents enjoy a variety of on-site amenities, including laundry facilities, elevators, wheelchair accessibility, parking, and a 24-hour emergency maintenance contact for peace of mind. Perfectly situated just minutes from Brock University, the St. Catharines Bus Terminal, Highway 406, the Meridian Centre, Montebello Park, the St. Catharines Farmers' Market, shopping, dining, entertainment, and everyday amenities, this exceptional location offers everything you need right at your doorstep. Experience comfortable, carefree living in one of St. Catharines' most desirable rental communities. Contact us today to schedule your private viewing.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Carrying Costs Calculator
What it could cost each month to rent 99 CHURCH Street Unit 401 — 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
$2,044/mo
About $24,528 a year
- Rent$1,799
- $140
- Tenant insurance$30
- Internet$75
Included in the rent: Heat (gas), Water & sewer.
Cash needed to move in
- First month's rent
- $1,799
- Last month's rent deposit
- $1,799
- Key / fob depositRefundable
- $100
- Moving & set-upEstimate
- $1,400
- Total
- $5,098
Your first 12 months
- Rent and monthly costs12 months
- $24,528
- Moving & set-up
- $1,400
- Total
- $25,928
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
- $78,000/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.
- $1,833/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 401, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: October 14, 2026
Listing Office: The Agency
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