45 James Street, St. Catharines, ON

$149,000
MLS#:X13785792
0 beds
3 baths
Commercial
Commercial for sale - 0 Bed, 3 Bath Home at 45 James Street St. Catharines ON listed at $149,000 (MLS# X13785792) - Main View
For Sale
Added:Sep 15, 2026(39 days ago)
Updated:Oct 19, 2026(5 days ago)
Last Checked:9 minutes ago

Property Highlights

Welcome to this remarkable sale of business 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 $149,000 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 3 Bathrooms
  • Spacious lot size measured in Feet
  • equipped with yes central cooling and highly efficient gas forced air open heating

Description

Turnkey restaurant opportunity in the heart of downtown St. Catharines: a fully equipped 900 sq. ft. space with 35 seats and 73.3 ft. of streetfrontage, delivered through a full ground-up build-out completed in 2025. The interior features high-gloss red tile walls, exposed wood-stackaccents, an open industrial ceiling with exposed ductwork, a built-in bar, a private speakeasy-style entrance, and a dual-fuel wood/natural gasoven with a full commercial kitchen line in practically new condition - bypassing the 12+ months of construction, permitting, and supply-chaindelays a new build would require. Zoned C6-92 (Downtown Traditional Main Street), this is a business asset sale offered together with a leaseassignment; lease details available upon request. The location sits a short walk from Brock University's downtown arts campus, the Marilyn I.Walker School of Fine and Performing Arts, and fronts James Street, which the City has slated for pedestrian-priority upgrades. A rare chance toacquire high-end, move-in-ready restaurant infrastructure in a growing downtown core without the cost or timeline of building from scratch.

Schedule a Tour

No public open houses currently scheduled. Request a private in-person viewing or live video walkthrough at your convenience.

Private Viewings Available
Or choose date:
Free service • No obligation • Licensed REALTOR® accompaniment
Price Drop Alert

Waiting for a price change? Get an instant notification if the seller reduces the asking price.

Work with the SOUSA TEAM to unlock your . If we are unable to negotiate your purchase price below asking, we'll rebate you up to $10,000!*

Schedule a Tour

Contact us to schedule a private viewing of this property.

Contact Agent

Generate CMA Report

Property Summary

This sale of business located at 45 James Street, St. Catharines is currently for sale and has been available for 39 days. This property is listed at $149,000 with an estimated mortgage of $496* per month. It has 0 beds, 3 bathrooms, and is unknown square feet. 45 James Street, St. Catharines is in the Downtown neighborhood.

Work with the SOUSA TEAM to unlock your .

* 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
  • •3 well-appointed bathrooms
  • •Desirable Sale Of Business 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
3
Property Type
Commercial

Additional Details

StatusActive
Price$149,000
AddedSep 15, 2026 (39 days ago)
UpdatedOct 19, 2026 (5 days ago)
Last Checked9 minutes ago
Transaction TypeFor Sale
List Office NameKELLER WILLIAMS COMPLETE REALTY

Property Details

Property Sub-TypeSale Of Business
CountyNiagara
Annual Tax$0

Parking & Garage

Garage TypeNone

Heating & Cooling

Heat TypeGas Forced Air Open
CoolingYes

Features

Property Features

None listed

Interior Features

None listed

Security Features

None listed

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 sale of business at 45 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

Browse all verified St. Catharines real estate listings, compare active St. Catharines houses for sale, and view brand new MLS® inventory before it hits the open market.

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: $496*/month*. Estimated Ontario Land Transfer Tax: $1,215. 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 45 James Street, St. Catharines, ON

Q.What is the asking price for 45 James Street, St. Catharines, ON ?

The current listing price for 45 James Street, St. Catharines, ON in Downtown, St. Catharines is $149,000.

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

This property features null bedrooms and 3 bathrooms.

Q.What property type and architectural style is 45 James Street, St. Catharines, ON ?

45 James Street, St. Catharines, ON is a Sale Of Business () featuring a basement.

Q.What heating and cooling systems are installed?

Heating is provided via standard central heat and cooling via Yes.

Virtual Tour & 3D Walkthrough

Virtual 360° Walkthrough & Live Video Tour

Request a live agent video tour or get 3D virtual walkthrough access for 45 James Street, St. Catharines, ON .

Location

Initializing map...
45 James Street, St. Catharines, ON

Google Street View

Open in Google Maps
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.

Loading local market trends...

Pricing & Value Insights

Data-driven valuation for 45 James Street, St. Catharines, ON L2R 5B9

Estimated Sales Range
$142,000 - $146,000

Based on 0 recent similar sales in the pocket.

Market Speed
Loading stats...

Properties in this area are selling at a steady pace.

Market Trend
Calculating trend...

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$44,700 (30.0%)
* Minimum Canadian down payment required for this price is $7,450.
Amortization Period30 Years
Estimated Monthly Payment$496Based on a loan of $104,300 over 30 years.
Purchase Price$149,000
Loan Amount$104,300
Provincial Land Transfer Tax:$1,215
Total Estimated Closing Taxes:$1,215

About Purchasing a Home in St. Catharines, ON

For a property listed at $149,000 in St. Catharines, the legal minimum down payment is $7,450 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 $1,215 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 $1,215.

Similar Listings in Downtown, St. Catharines

Explore all Just Listed Homes in St. Catharines →

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?

Generate a full market evaluation or explore city guides using the sidebar links.

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.

Similar Active Listings in St. Catharines

Compare prices, square footage, and school zones for similar Commercial nearby

All St. Catharines Homes
Commercial for sale - 0 Bed, 0 Bath Home at 80 St Paul Street St. Catharines ON listed at $119,999 (MLS# X14106906)
Added 1 day ago
$119,999Est. $399/mo
0bd
0ba
Commercial

80 St Paul Street, St. Catharines

Oct 21, 2026
DOM: 4

Sale Of Business for sale in Downtown. View photos, price history, school ratings & sold comps.

MLS#: X14106906
For Sale
Commercial for sale - 0 Bed, 0 Bath Home at 176 ST. PAUL Street St. Catharines ON listed at $179,900 (MLS# X13871104)
$179,900Est. $599/mo
0bd
0ba
Commercial

176 ST. PAUL Street, St. Catharines

Oct 6, 2026
DOM: 19

Sale Of Business for sale in Downtown. View photos, price history, school ratings & sold comps.

MLS#: X13871104
For Sale
Commercial for sale - 0 Bed, 0 Bath Home at 100 FOURTH Avenue St. Catharines ON listed at $149,900 (MLS# X13787008)
$149,900Est. $499/mo
0bd
0ba
Commercial

100 FOURTH Avenue, Unit 7, St. Catharines

Sep 15, 2026
DOM: 40

Sale Of Business for sale in Ridley. View photos, price history, school ratings & sold comps.

MLS#: X13787008
For Sale
Commercial for sale - 0 Bed, 1 Bath Home at 80 St Paul Street St. Catharines ON listed at $150,000 (MLS# X13667886)
$150,000Est. $499/mo
0bd
1ba
Commercial

80 St Paul Street, St. Catharines

Aug 12, 2026
DOM: 74

1 bath Sale Of Business for sale in Downtown. View photos, price history, school ratings & sold comps.

MLS#: X13667886
For Sale