For SaleDetached · BungalowMLS® #X14099226 · TRREB MLS®
177 James St, St. Catharines, Ontario
Downtown, St. Catharines, Ontario L2R 5C4
- Bedrooms
- 2
- Lot Size
- 37 x 100 ft
- Bathrooms
- 1
- Type
- Detached
- Basement
- Unfinished
$289,000
Estimated market value
About 177 James St
177 James St is a 2-bedroom, 1-bathroom detached house in Downtown, St. Catharines, listed for sale at an asking price of $289,000 (MLS® X14099226).
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. *The City of St. Catharines Requires Rezoning and/or Permits For Mixed Use or Home Based Business.
Insights
Condition Score
Good6 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even−$170/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 17 homes with 2 bedrooms for lease in Downtown right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
Key facts
- Tax
- $7,812 / 2026
- MLS® number
- X14099226
- Board
- TRREB MLS®
- Property Type
- Detached
- Days on market
- Size
- 1100-1500 sqft
- Lot Size
- 37 x 100 ft
- Listed on
- Parking
- None, 3 Parking
Listing history
Buy/sell history for 177 James St, St. Catharines, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $289,000 | N/A | For Sale | X14099226 |
Members see the full history. Prices are hidden from signed-out visitors.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Michelle Lacroix for a full comparative market analysis.
Property details
Property
- Property Type
- Detached
- Style
- Bungalow
- Community
- Downtown
- Municipality
- St. Catharines
Building
- Size
- 1100-1500 sqft
- Construction
- Vinyl Siding
Inside
- Bedrooms
- 2
- Bathrooms
- 1
- Bathroom Details
- 1 × 4pc Main
- Basement Type
- Unfinished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- None
- Additional Parking
- 3
- Total Parking
- 3
Utilities
- Water
- Municipal
- Cooling
- Window Unit
- Heating Type
- Radiant
Land
- Sewer
- Sewers
- Frontage
- 37 ft
- Depth
- 100 ft
- Lot Size
- 37 x 100 ft
Additional
- Foundation
- Block, Stone
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Fridge, Stove, Dishwasher (All AS IS)
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Common Rm | 4.11 × 5.35 m | — | Main |
| Kitchen | 3.02 × 4.14 m | — | Main |
| Bathroom | 2.69 × 2.08 m | 4 Pc Bath | Main |
| Br | 2.46 × 3.32 m | — | Main |
| Br | 3.45 × 4.31 m | — | Main |
| Common Rm | 3.45 × 4.72 m | — | Main |
| Laundry | 3.53 × 2.71 m | — | Main |
Map and tour
Detached homes for sale in Downtown right now
- For sale now
- 45
- Median asking price
- $500K
- New in 7 days
- 2
- Price cuts
- 36%
Middle half: $400K to $675K
18 in 28 days
16 listings
This home is asking 42% below the median, lower than three quarters of them.
See all homes in DowntownAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Land transfer tax on this home
- Ontario land transfer tax
- $2,810
- Total land transfer tax
- $2,810
- First-time buyer rebates (Ontario up to $4,000)
- −$2,810
- Total for first-time buyers
- $0
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $289,000
- $585
- Ontario total
- $2,810
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation2
- No mapped wetland within 120 m120 m
- 1 water-supply well recorded within 250 mIt was drilled for domestic use; 13 test or monitoring holes also recorded. From Ontario’s well records; locations can be approximate. The records do not show how this home gets its water. Wells nearby typically go down about 6.1 m.250 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 6.2 km6.2 km
Province of Ontario open data
Around the home1
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is Kemira Chemicals Canada Inc. — KEMIRA CHEMCIALS CANADA INC. - ST CATS., 2.0 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Alectra Utilities CorporationAt the address
- Wired internet 50/10 Mbps or faster is listed at this locationFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (20 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.At the address
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Cogeco Connexion, Niagara Regional Broadband Network. Cable: Cogeco Connexion. DSL: Bell. Fixed wireless: Bell, Last Mile Wireless Internet, NWIC, Rogers, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Niagara Peninsula Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| St Nicholas Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 700 m | 61%Grade 6 average |
| ÉÉC Immaculée-ConceptionConseil scolaire catholique MonAvenir | French-language Catholic · grades JK–8 | 750 m | 51%Grade 6 average |
| Harriet Tubman Public SchoolDSB Niagara | Public · grades JK–8 | 800 m | 78%Grade 6 average |
| St Denis Catholic Elementary SchoolNiagara CDSB | Catholic · grades JK–8 | 1.3 km | 81%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| St Catharines Collegiate Institute and Vocational SchoolDSB Niagara | Public · grades 9–12 | 700 m | 74%Grade 9 math |
| DSBN AcademyDSB Niagara | Public · grades 9–12 | 2.6 km | 71%Grade 9 math |
| Denis Morris Catholic High SchoolNiagara CDSB | Catholic · grades 9–12 | 2.7 km | 50%Grade 9 math |
| Sir Winston Churchill Secondary SchoolDSB Niagara | Public · grades 9–12 · French Immersion | 2.7 km | 71%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| St. Catharines GO | GO Transit train: Lakeshore West | 1.6 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx.
Lot
- Lot area
- 3,700 sq ft344 m²
- Street frontage
- 37 ft11.3 m
- Depth
- 100 ft30.5 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record, measured by MPAC.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $57,800
- Total mortgage amount
- $231,200
- Total interest payment
- $164,500
- Total purchase cost
- $453,500
- Mortgage payment
- $1,319/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
30%Monthly carrying cost
$1,970- Rent $1,800
- Shortfall $170
Rental income opens at $1,800, the median asking rent of 17 comparable homes for lease in Downtown. Type over it with the rent you expect. This is a planning tool, not advice.
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