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For Sale · Office

192A ONTARIO STREET, St. Catharines (Downtown)

192A ONTARIO STREET, St. Catharines (Downtown), ON L2R5L1

$459,000 total

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Asset Class

Office

Size

—

Building class

C

Zoning

CB2 — Central Business

$ / SF

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Occupancy

87%

About this property

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. (id:66811)

Financial sandbox

Adjust the deal assumptions — returns recalculate instantly.

Estimate
Purchase price$459K
Down payment30% · $138K
Interest rate6.25%
Amortization25 years
Occupancy87%
Expense growth2.5%

Monthly debt service

$2K

Projected NOI

$27K

Annual cash flow

$2K

Cash-on-cash

1.14%

DSCR

1.06

Going-in cap

5.88%

Figures are modelled from the listed price and asset class for illustration only. Verify all income, expenses, and financing terms independently before making an offer.

Area demographics

Trade area within 3 miles of the property.

Population

48,430

Households

22,861

Median income

$133,000

Median age

38.9

Daytime population

51,169

5-yr growth

7.8%

Modelled estimates for illustration until a licensed census data provider is connected.

Secure deal room

Confidential diligence documents for 192A ONTARIO STREET, St. Catharines (Downtown).

NDA required

  • Offering Memorandum

    PDF · 4.2 MB

  • Rent Roll & T-12

    XLSX · 820 KB

  • Environmental Phase I

    PDF · 6.7 MB

  • Site Survey & Plans

    PDF · 11.4 MB

  • Zoning Confirmation Letter

    PDF · 310 KB

Preview experience — the electronic NDA is illustrative and is not a binding agreement.