99 Church Street Unit 604, St. Catharines, ON
L2R 3E1
Listed September 2, 2026
About this property
Welcome to 99 Church Street, ideally situated in the heart of Downtown St. Catharines! This spacious 2-bedroom apartment offers a bright, functional open-concept layout and an excellent combination of comfort, convenience and value. The unit features two generously sized bedrooms, a comfortable living area and plenty of space to make your own. ENJOY YEAR-ROUND COMFORT WITH YOUR OWN INDIVIDUAL DUCTLESS MINI-SPLIT HEAT PUMP SYSTEM, FEATURING A SLEEK WALL-MOUNTED UNIT PROVIDING BOTH AIR CONDITIONING AND SUPPLEMENTAL HEATING, allowing you to conveniently control the temperature of your living space throughout the seasons. Even better, HEAT AND WATER ARE INCLUDED IN THE MONTHLY RENT, helping keep your monthly living expenses predictable. Parking and on-site laundry are also available for added convenience. Enjoy an outstanding central location just minutes from everything Downtown St. Catharines has to offer. You're close to St. Paul Street, Montebello Park, the Meridian Centre, FirstOntario Performing Arts Centre, St. Catharines Farmers' Market, restaurants, cafés, shopping, entertainment and public transit. With convenient access to Highway 406 and the QEW, getting around Niagara is easy. Brock University, the Pen Centre, Niagara Health - St. Catharines Site, grocery stores, schools, parks and other everyday amenities are all within easy reach. Whether you're a professional, couple, roommates, students or a small family, this is a fantastic opportunity to enjoy a spacious 2-bedroom apartment in a convenient downtown location.
Features
Property Details
Listing
Property
Location
Taxes & Financials
Carrying Costs Calculator
What it could cost each month to rent 99 Church Street Unit 604 — 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 604, St. Catharines, ON
Map data © GoogleOpen in Google Maps ↗
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Last Updated: September 2, 2026
Listing Office: The Agency
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