194-196 St. Paul Street

St. Catharines, ON

2 bath • 3,794 sqft • Store W Apt/Office • 106 days on market

$999,900

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.

Listing Details

Taxes (2025): $13,039
Listed: May 12, 2026

Price History

Listing history

Property

Lot Size: 37.01 x 85.49 Feet

Location & Legal

Cross Street: James Street
Zoning: C6
Parcel Number: 462180120
Possession: Flexible

Commercial

Occupancy: Vacant
Office / Apartment Area: 1594 Sq Ft

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

Commercial in St. Catharines · last 12 months

Median sold price: $540,000
Homes sold: 1,611
Median days on market: 26
Sale-to-list price: 96.6%

Based on 1,611 recorded sales of commercial properties in St. Catharines over the last 12 months.

Listed by

ROCK STAR REAL ESTATE INC.

Location

Commercial figures

Building area: 3,794 sq ft
Price per sq ft: $263.55
Annual property tax: $13,039
Tax per sq ft: $3.44

Derived from the listing's own figures. Taxes are as reported by the listing brokerage and may be a prior year.

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