177 James Street, St. Catharines, ON

$289,000
MLS#:X14098926
0 beds
1 baths
Commercial
Commercial for sale - 0 Bed, 1 Bath Home at 177 James Street St. Catharines ON listed at $289,000 (MLS# X14098926) - Main View
For Sale
Added:Oct 20, 2026(4 days ago)
Updated:Oct 20, 2026(4 days ago)
Last Checked:12 minutes ago

Property Highlights

Welcome to this remarkable office located in the coveted neighborhood of Downtown. Offering a sublime balance of structural integrity and modern aesthetic appeal, this residence presents an exceptional opportunity offered at $289,000 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 0 Bedrooms and 1 Bathroom
  • Premium 37 x 100 ft lot size
  • equipped with no central cooling and highly efficient gas hot water heating

Description

Prime Downtown Opportunity With Flexible C1 Zoning & Private Rear Parking For 3-4 Vehicles (W/Potential For More Parking Space). Highly Visible 1144sf Detached Bungalow On A 37 X 100 Ft Lot In The Heart Of Downtown St. Catharines. Previously Used As An Office, The Property Offers Excellent Exposure For Your Business And Potential For A Variety Of Other Permitted Commercial, Service, Office, And Retail Uses, Subject To Applicable Zoning Requirements. Originally A 2-Bedroom Single-Family Home And Later Converted To A Commercial Office Use, The Property Offers A Welcoming Atmosphere And A Functional Residential-Style Layout. The Main Level Features A Large Open Office/Reception Area, A Kitchen, A Full 4-Piece Bathroom, 2 Private Offices, An Additional Open Workspace, And A Convenient Rear-Entry Laundry/Mudroom Area. Situated In A Prominent Downtown Location With Private Parking At The Rear Of The Property, This Is An Excellent Opportunity For Business Owners, Investors, Or Professionals Seeking A Stand-Alone Commercial Building With Exceptional Visibility And Accessibility. Why Lease When You Can Own Your Own Commercial Space And Invest In Your Own Equity? A Rare Opportunity To Secure An Affordable Well-Located Commercial Property In One Of St. Catharines' Most Established Business Districts. *Some Photos Have Been Virtually Staged.

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Property Summary

This office located at 177 James Street, St. Catharines is currently for sale and has been available for 4 days. This property is listed at $289,000 with an estimated mortgage of $962* per month. It has 0 beds, 1 bathroom, and is unknown square feet. 177 James Street, St. Catharines is in the Downtown neighborhood.

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Ideal for small families, couples, or individuals seeking a manageable and comfortable living layout in Downtown, St. Catharines.

Great for Small Household / Couples
What We Love About This Home
  • •1 well-appointed bathroom
  • •Desirable Office architecture in Downtown, St. Catharines
Standout Features & Layout
Who Should Buy This Home?

First-time home buyers, professionals, or investors seeking value.

Target Buyer Match

Key Features

Bathrooms
1
Property Type
Commercial

Additional Details

StatusActive
Price$289,000
AddedOct 20, 2026 (4 days ago)
UpdatedOct 20, 2026 (4 days ago)
Last Checked12 minutes ago
Transaction TypeFor Sale
List Office NameROYAL LEPAGE NRC REALTY

Property Details

Property Sub-TypeOffice
Lot Size37 Ă— 100 Feet
CountyNiagara
Annual Tax$7,811.67
Rental ItemsHot Water Tank
Legal DescriptionLT 632 CP PL 2 GRANTHAM; ST. CATHARINES

Parking & Garage

Parking Space3
Garage TypeNone

Heating & Cooling

Heat TypeGas Hot Water
CoolingNo

Features

Property Features

None listed

Interior Features

None listed

Security Features

  • No

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

St. Catharines Home Buyer Advisory & Market HubActive MLS® Listing in St. Catharines, Ontario

Looking to Buy a Home in St. Catharines?

If you are looking for a house in St. Catharines or researching St. Catharines real estate for sale, this office at 177 James Street, St. Catharines, ON offers an exceptional opportunity to buy a home in St. Catharines, Ontario. Whether you are a first-time St. Catharines home buyer or comparing active St. Catharines MLS® homes for sale, working with a dedicated St. Catharines buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

St. Catharines Homes for Sale & MLS® Listings

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Dedicated St. Catharines Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced St. Catharines realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

St. Catharines Buyer Budget & Costs

Estimated mortgage: $962*/month*. Estimated Ontario Land Transfer Tax: $2,810. First-time St. Catharines home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in St. Catharines

Frequently Asked Questions about 177 James Street, St. Catharines, ON

Q.What is the asking price for 177 James Street, St. Catharines, ON ?

The current listing price for 177 James Street, St. Catharines, ON in Downtown, St. Catharines is $289,000.

Q.How many bedrooms and bathrooms does this property have?

This property features null bedrooms and 1 bathroom.

Q.What property type and architectural style is 177 James Street, St. Catharines, ON ?

177 James Street, St. Catharines, ON is a Office () featuring a basement.

Q.What security features are installed at 177 James Street, St. Catharines, ON ?

Security features include: No.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via No.

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Location

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177 James Street, St. Catharines, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Downtown, St. Catharines

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

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Pricing & Value Insights

Data-driven valuation for 177 James Street, St. Catharines, ON L2R 5C4

Estimated Sales Range
$275,000 - $283,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in St. Catharines.

Configure Loan Settings

Interest Rate4.00%
Down Payment$86,700 (30.0%)
* Minimum Canadian down payment required for this price is $14,450.
Amortization Period30 Years
Estimated Monthly Payment$962Based on a loan of $202,300 over 30 years.
Purchase Price$289,000
Loan Amount$202,300
Provincial Land Transfer Tax:$2,810
Total Estimated Closing Taxes:$2,810

About Purchasing a Home in St. Catharines, ON

For a property listed at $289,000 in St. Catharines, the legal minimum down payment is $14,450 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $2,810 for this transaction. As this listing is in St. Catharines (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $2,810.

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Downtown, St. Catharines Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Downtown, St. Catharines.

Verified Local Data
City Population323,103
City Median Age40.5 Yrs
City Ownership86% Owners
Avg Area List Price$761,815

People & Families

Age Distribution

Household Composition

One-person households
15%
Families with children
52%
Couples without children
28%
Other households
5%

Top Ethnic Origins

Italian35%
Canadian10%
Russian8%
Chinese6%

Best Schools in Downtown, St. Catharines

Elementary Schools

St Nicholas
Public149 Church Street, St. Catharines, Ontario, L2R 3E2
4.4
Immaculée-Conception
Public153 Church Street, St. Catharines, Ontario, L2R 3E2
6.3
Harriet Tubman
Public84 Henry Street, St. Catharines, Ontario, L2R 5V4
6.3
St Denis
Public175 Carlton Street, St. Catharines, Ontario, L2R 1S1
5.4
Connaught
Public28 Prince Street, St. Catharines, Ontario, L2R 3X7
8.5

Secondary Schools

No secondary schools data loaded.

Downtown, St. Catharines Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied86%
Rented14%

Need more details or a custom CMA?

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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