Listed for:Listed Sep 22, 2026
$675,000

196 King Street

St. Catharines (Downtown), ON L2R 3J7

Detached House For Sale
Down Payment AssistanceGet Best Mortgage Rates

Sale & Price History for 196 King Street, St. Catharines, Downtown

No listing history available

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*Sold prices and complete sale & price history are regulated data. Under the Trust in Real Estate Services Act, 2002 (TRESA) and the rules of the Real Estate Council of Ontario (RECO), and pursuant to the Multiple Listing Service® rules of the Canadian Real Estate Association (CREA) and the Toronto Regional Real Estate Board (TRREB), this information may be shown only to registered users who have agreed to the applicable terms of use (a Virtual Office Website, or "VOW," arrangement). HOMEH Inc., Brokerage therefore provides it to signed-in members only. Creating an account is free and takes under a minute.

About 196 King Street, St. Catharines, Downtown

Summarized Description

  • Mixed-use property with exceptional street exposure.
  • Rare private on-site parking available.
  • Flexible M2 zoning for various uses.
  • Functional layout with multiple entrances.
  • High-traffic location near local amenities.
  • Future development potential in desirable area.
  • Close to transit hub and major highways.

Prime opportunity to acquire a mixed-use downtown property offering a modern, turn-key, functional layout with exceptional street exposure, rare private on-site parking, and outstanding long-term development potential. Ideally suited for investors or owner-operators, this versatile asset combines strong commercial and residential components with flexible M2 zoning, supporting a wide range of uses including commercial, residential, or mixed-use development. The property features a welcoming wrap-around porch that enhances curb appeal, while the interior offers a functional, adaptable layout suitable for a variety of professional uses. Multiple exterior entrances provide excellent flexibility for single or multi-tenant configurations, offering exceptional accessibility and future adaptability. Offering approximately 2,235 sq. ft. of finished above grade space plus an additional 800 sq. ft. in the basement, this property presents an excellent opportunity to customize to your needs. The main floor features a spacious open-concept co-working office, two private offices, a boardroom-style office, and an inviting front foyer complete with a coffee station and a convenient 2-piece washroom. The upper level includes an oversized executive office, three additional private offices, and a well-appointed 3-piece bathroom. Positioned on a high-traffic downtown corridor surrounded by established businesses, restaurants, cafes, and local amenities, the property benefits from consistent exposure and strong foot traffic. Just steps from the Meridian Centre, First Ontario Performing Arts Centre, transit hub, GO Station, and with quick access to Highway 406 and the QEW, the location offers unmatched connectivity across the region. Whether expanding an investment portfolio or securing a strategic location for a growing business, this property delivers exceptional visibility, versatility, and future development potential in one of the city's most desirable downtown settings.

Key Facts & Features

Property Costs

Annual Property Tax Amount
$11,054
Land Transfer Tax Fee
$9,975

Basement Type
Finished

Interior Features

Interior Extras
None
Security Features
None, Alarm System
Fireplace/Stove
No
Elevator
No

Exterior Features

Pool
None

Building

Building Type
Detached
Building Style
2-Storey

Construction

Exterior Finish
Stucco (Plaster)
Roof
Asphalt Shingle
Foundation Details
Unknown
Special Designation
Unknown

Lot

Lot Front
40.90 ft
Lot Depth
142.00 ft

Inclusions

Inclusions
window coverings, bar fridge in kitchenette, fridge downstairs

Parking & Garages

Garage Type
None
Garage Spaces
0
Parking Spaces
8
Total Garage And Parking Spaces
8

Heating & Cooling

Heat Source
Gas
Heat Type
Forced Air
Air Conditioning
Central Air
Water
Municipal
Sewers
Sewer

Bedrooms
6
Washrooms
2
Family / bonus room
Yes

Washrooms

  • 2-piece
  • 3-piece

Municipality
St. Catharines
Neighbourhood
Downtown
Main cross streets
St. Paul St. and Geneva St.
Zoning
M2
Directions
North on Geneva from St. Paul St.Left onto Church St. Slight left ontoKing St. Destination on left

MLS® number
X13812848
Data source
Toronto Regional Real Estate Board
Listed on
2026-09-22
Updated on
2026-09-22
Days on market
30 days
Possession type
Immediate
Co-op commission
2%
Seller
Listed by
RE/MAX NIAGARA REALTY LTD, BROKERAGE

Home Market Value

Current home valuation for 196 King Street, St. Catharines, Downtown, St. Catharines, ON. Listed for $675,000

HOMEH Estimate

?

$792,315

Estimated Sales Range

?

$622,849 - $914,275

HOMEH Estimate for 196 King Street, St. Catharines, Downtown

Calculated with a real agent's CMA method — 45+ years of experience, codified. Not an AI guess.

$792,315Low confidence
Based on 6 comparable properties
− $117,315 (15%) below our estimate — Good deal!
See the full analysisFree Every recent nearby sale behind this number

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Mortgage Payment Calculator

Compare up to 4 down payment scenarios

$
St. Catharines, ON
Minimum Down Payment Required:6.3%

5% on first $500K + 10% on $175,000 over $500K

Minimum down payment

$42,500

Scenario 1 Scenario 2 Scenario 3 Scenario 4
−Down payment
%
$
%
$
%
$
%
$
+CMHC insurance
$25,299$18,833$16,065$0
=Total mortgage
$657,774$626,333$589,815$540,000
Amortization
Mortgage rate
%
%
%
%
Payment frequency
=Mortgage payment
$3,212monthly$3,058monthly$2,880monthly$2,637monthly
Are you a first time home buyer?

Land Transfer Tax

Provincial

$9,975

Total Land Transfer Tax

$9,975

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8/100Almost All Errands Require a Car
0/100Minimal Transit
0/100Not rated
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