
192A Ontario Street
St. Catharines (Downtown), ON L2R 5L1
- 3+1Bedrooms
- 2Bathrooms
- 1Garage
- 700–1100Sq Ft
- $3,426Tax
- 39×108 ftLot Size
- Estimated Value:$479,986See Free Estimate Report

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About 192A Ontario Street, St. Catharines, Downtown
Summarized Description
- Solid 3 bedroom home with commercial zoning.
- Includes a lower level rental unit.
- Ideal for multigenerational living.
- Perfect for various professional uses.
- Large deck enhances outdoor living.
- New windows and heating systems installed.
- 1.5 car garage for storage or hobbies.
- Unique opportunity for home and business.
Exceptional solid 3 bedroom brick home with Res/Comm M1 zoning, plus lower level one bedroom unit.Immaculately maintained and full of possibilities offering a rare combination of comfortable family living, multigenerational flexibility. Outstanding work-from-home or professional uses including drs office, registered massage therapist practice, lawyers office, mortgage broker or other permitted business opportunities. Main level offers 3 bedrooms, one bathroom, French doors, beautiful wood floors and doors add a cosy living experience. The lower level adds even more flexibility with a one bedroom unit making it an excellent option for rental income or a place for extended family, aging parents while keeping everyone under one roof. Enjoy outdoor living on the large deck with pergola covering. Modern new windows installed May 2026 and radiant/boiler heating and water heater installed 2020. The property also features a 1 1/2 car garage ideal for storage, workshop or a hobby enthusiast. This unique property is a rare opportunity to combine home, family, business and income property in one exceptional property.
Key Facts & Features
Property Costs
- Annual Property Tax Amount
- $3,426
- Land Transfer Tax Fee
- $5,655
- Basement Type
- Finished, Full
Interior Features
- Interior Extras
- In-Law Capability, Water Heater Owned
- Fireplace/Stove
- Yes
- Fireplace Features
- Living Room
- Elevator
- No
Exterior Features
- Pool
- None
Building
- Building Type
- Detached
- Building Style
- 1 1/2 Storey
Construction
- Exterior Finish
- Brick Front, Wood
- Roof
- Asphalt Shingle
- Foundation Details
- Poured Concrete
- Special Designation
- Unknown
Lot
- Lot Front
- 39.26 ft
- Lot Depth
- 107.51 ft
- Lot Size
- 39.26 x 107.51
- Lot Size Code
- 39.26 x 107.51
Inclusions
- Inclusions
- FRIDGES, 2 STOVES, WASHER & DRYER, DISHWASHER
Exclusions
- Exclusions
- Wood burning stove in garage
Parking & Garages
- Garage Type
- Detached
- Garage Spaces
- 1
- Parking Spaces
- 3
- Total Garage And Parking Spaces
- 4
Heating & Cooling
- Heat Source
- Electric
- Heat Type
- Baseboard
- Air Conditioning
- Window Unit(s)
- Water
- Municipal
- Sewers
- Sewer
- Bedrooms
- 3 + 1
- Washrooms
- 2
- Kitchens
- 2
Room sizes
- Kitchen—Main level
- Utility Room—Basement level
- Bedroom—Main level
- Bathroom—Second level, 4 Pc Bath
- Kitchen—Basement level
- Bathroom—Basement level, 3 Pc Bath
- Bedroom—Basement level
- Primary Bedroom—Second level
- Recreation—Basement level
- Dining Room—Main level
- Laundry—Basement level
- Living Room—Main level
- Bedroom—Second level
Washrooms
- 4-piece, Second
- 3-piece, Basement
- Municipality
- St. Catharines
- Neighbourhood
- Downtown
- Main cross streets
- ADIE & WELLAND AVE
- Zoning
- M1
- Directions
- ONTARIO ST NEAR WELLAND AVE/ADIE PL
- Waterfront
- None
- MLS® number
- X13772230
- Data source
- Toronto Regional Real Estate Board
- Status change
- 2026-10-09
- Listed on
- 2026-09-11
- Days on market
- 28 days
- Possession type
- Immediate
- Co-op commission
- 2% + HST
- Seller
- Listed by
- RE/MAX GARDEN CITY REALTY INC, BROKERAGE
Home Market Value
Current home valuation for 192A Ontario Street, St. Catharines, Downtown, St. Catharines, ON. Listed for $459,000
HOMEH Estimate
$479,986
Estimated Sales Range
$379,189 - $580,783
HOMEH Estimate for 192A Ontario Street, St. Catharines, Downtown
Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.
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Mortgage Payment Calculator
Compare up to 4 down payment scenarios
5% of purchase price for homes $500K or less
$22,950
| Scenario 1 | Scenario 2 | Scenario 3 | Scenario 4 | |
|---|---|---|---|---|
−Down payment | % $ | % $ | % $ | % $ |
+CMHC insurance | $17,442 | $12,806 | $10,924 | $0 |
=Total mortgage | $453,492 | $425,906 | $401,074 | $367,200 |
Amortization | ||||
Mortgage rate | % | % | % | % |
| Payment frequency | ||||
=Mortgage payment | $2,214monthly | $2,079monthly | $1,958monthly | $1,793monthly |
Land Transfer Tax
$5,655
$5,655
Around this home
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