194 ST. PAUL Street
St. Catharines, Ontario
- 3,794 sqft
- Other
Here is a rare opportunity to own a truly distinctive, well maintained commercial building in the heart of downtown St. Catharines, where location truly matters. This solid two storey, turn of the century former bank offers outstanding street presence and endless commercial possibilities. The main floor features soaring ceilings, an open concept layout, abundant natural light, gas fireplace, bar and island area, ample cabinetry, appliances included, a 2 piece bathroom, and iconic architectural elements including the original bank vault. The building was most recently operated as a food and beverage concept and would be ideal for a wide range of retail, hospitality, office, or service based uses. The second floor offers additional flexible space suitable for office, meeting, or creative use, with two half baths, shower, kitchenette, storage areas, and private rooms. A full basement provides even more functional storage space. One parking space is available at the rear of the building. Steps to the Meridian Centre, Performing Arts Centre, restaurants, and public transit, this is a unique asset in one of Niagara's most walkable downtown cores. Property is also available for lease.
Price History
Schools
Elementary
- ÉÉC Immaculée-Conception0.7 km
French Catholic · CS catholique MonAvenir · 140 students
Grade 3 reading: 82% met the provincial standard · Grade 6 math: 31% met the provincial standard
- St Nicholas Catholic Elementary School0.7 km
Catholic · Niagara CDSB · 215 students
Grade 3 reading: 78% met the provincial standard · Grade 6 math: 18% met the provincial standard
- Edith Cavell Public School1.2 km
Public · DSB Niagara · 225 students
Grade 3 reading: 91% met the provincial standard · Grade 6 math: 36% met the provincial standard
Secondary
- St Catharines Collegiate Institute and Vocational School1 km
Public · DSB Niagara · 700 students
Grade 10 literacy: 85% met the provincial standard
- Sir Winston Churchill Secondary School2.1 km
Public · DSB Niagara · 1025 students
Grade 10 literacy: 91% met the provincial standard
- Denis Morris Catholic High School2.2 km
Catholic · Niagara CDSB · 930 students
Grade 10 literacy: 92% met the provincial standard
Straight-line distance. Nearby schools are not necessarily the assigned schools — confirm catchment with the school board. Scores are EQAO provincial test results for 2024-2025.
Community
Postal area L2R
- Population
- 25,558
- Private dwellings
- 13,117
- Median age
- 40.4
- Average household size
- 2.1
- Median household income
- $61,200
Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.
Local market
Retail in St. Catharines · last 12 months
- Median sold price
- $540,000
- Homes sold
- 1,612
- Median days on market
- 26
- Sale-to-list price
- 96.6%
Based on 1,612 recorded sales of retail properties in St. Catharines over the last 12 months.
Walk Score
Walk
Transit
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Scores by Walk Score®
Location
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Mortgage Calculator
$199,980
Estimated Monthly Payment
$4,912
Land transfer tax
Ontario land transfer tax only. An estimate — not legal or financial advice. Municipal land transfer tax applies in Toronto and is not included.
Investment Analysis
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $4,912/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $250/mo
Estimates only. Consult a financial advisor.
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