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385 St. Paul Street, St. Catharines, ON L2R 3N1
St. Catharines, ON L2R 3N1
Quick cost estimateKnown monthly subtotal$6,368.08 / monthLand transfer tax $18,055One-time estimate
Quick cost estimate
$6,368.08 / monthKnown monthly subtotal
- Mortgage principal & interest
- $5,020.41
- Property tax / month
- $1,347.67
- Maintenance / month
- Period / amount not reported
Assumes 20% down, 5% annual interest and 25-year amortization. Illustrative rate, not a current quote.
Unknown expenses excluded. Mortgage insurance and closing costs are excluded; add insurance and utilities in the assumptions.
Land transfer tax · one time
- Transfer tax total
- $18,055
Before rebates, surcharges and fees. Not part of the monthly subtotal.
Tax assumptions & breakdown
Toronto municipal land transfer tax does not apply to this listing outside the City of Toronto.
- Ontario tax
- $18,055
- Toronto municipal tax
- $0
Current purchase scenario, before rebates, foreign-buyer taxes and fees. Confirm residence classification. Not historical tax paid; excluded from the monthly subtotal.
Ontario rates · Toronto rates (April 2026)
Eligible first-time purchasers may qualify for an Ontario land transfer tax refund of up to $4,000. Toronto buyers may also qualify for a separate municipal rebate of up to $4,475. Eligibility varies and these maximums are not guaranteed savings. See official eligibility links and details.
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About this home
YOUR NEXT INVESTMENT STARTS ON ST. PAUL! Positioned in downtown St. Catharines, TWO INCOME STREAMS. ONE COMPELLING OPPORTUNITY! Welcome to 385 St. Paul Street, a fully rented, two-storey mixed-use property with a commercial tenant on the main floor and residential tenants upstairs. The upper level features two full bathrooms, shared kitchen and living space, laundry and four skylights. A prominent commercial storefront, basement storage, rear outdoor area, parking for 3-5 vehicles (Court Alley) access add functionality and appeal. C6 Downtown Traditional Main Street zoning supports a mix of commercial business activities, subject to applicable city approvals. This property combines current rental income with long-term versatility.
Home details
- Days on market
- Not reported
- Property type
- Store W Apt/Office
- MLS® number
- X14165478
- Source status
- New
- Postal code
- L2R 3N1
- Building area (total)
- 3,555 sq ft
- Lot depth
- 119 ft
- Garage parking spaces
- Not reported
- Total parking spaces
- Not reported
- Occupancy
- Tenant
- Possession type
- Flexible
- Garage
- None
- Annual property tax
- 16172
- Heating system
- Gas Forced Air Open
- Cooling
- Yes
- Utility services
- Yes
These details come from the listing source. Please confirm measurements and fees before making a decision.
Utilities and services
- Reported utility services
- Yes
- Heating system
- Gas Forced Air Open
- Cooling
- Yes
A reported service is not necessarily included in rent or maintenance. Missing information does not mean a service is absent.
Rooms & virtual tours
Loading source-reported room dimensions…
Converted measurements are approximate. Levels and dimensions are shown only when supplied.
Room-count details have not been supplied for this listing.
Ask the listing brokerage for floor plans and measured room layouts.
Listing dates & price record
- Asking amount
- $1,079,000
Original MLS entry
Entry into the source MLS system; distinct from days on market.
Coverage varies by listing. Dates are source-reported calendar dates; only the latest reported asking-price change is shown. This is a partial record.
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Estimate monthly costs
Adjust the assumptions for your own scenario. Blank expenses are unknown; enter them for a fuller estimate.
Planning estimate with Canadian semiannual compounding. Excludes mortgage insurance, closing costs and special assessments. This is not a lender quote or mortgage approval.
Explore affordability & closing-cost tools →Map and neighbourhood
- Region / county
- NIAGARA
- Municipality
- ST. CATHARINES
- MLS® community
- 451 - Downtown
Plan a trip from this home
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Around this property
Schools, transit & everyday places
Published local sources. Distances are approximate straight-line distances, not walking routes.
Filter the records displayed below.
Nearby publicly funded schools
Within 5 km · approximate straight-line distances, not walking routes or attendance eligibility.
School year 2024-2025 · Preliminary · publisher extract 2026-09-14.
St Nicholas Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
149 Church St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 78%
- Grade 3 Writing (at provincial standard)
- 61%
- Grade 3 Mathematics (at provincial standard)
- 33%
- Grade 6 Reading (at provincial standard)
- 82%
- Grade 6 Writing (at provincial standard)
- 82%
- Grade 6 Mathematics (at provincial standard)
- 18%
ÉÉC Immaculée-Conception ↗
Elementary · JK-8 · French · Catholic
School board: CS catholique MonAvenir ↗
153 Church rue, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
No published percentages for these measures in this source record.
St Catharines Collegiate Institute and Vocational School ↗
Secondary · 9-12 · English · Public
34 Catherine St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 74%
- Grade 10 OSSLT (first-attempt pass)
- 85%
Harriet Tubman Public School
Elementary · JK-8 · English · Public
84 Henry Street, St. Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 71%
- Grade 3 Writing (at provincial standard)
- 67%
- Grade 3 Mathematics (at provincial standard)
- 60%
- Grade 6 Reading (at provincial standard)
- 84%
- Grade 6 Writing (at provincial standard)
- 90%
- Grade 6 Mathematics (at provincial standard)
- 60%
Connaught Public School ↗
Elementary · JK-8 · English · Public
28 Prince St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 90%
- Grade 3 Writing (at provincial standard)
- 73%
- Grade 3 Mathematics (at provincial standard)
- 83%
- Grade 6 Reading (at provincial standard)
- 95%
- Grade 6 Writing (at provincial standard)
- 100%
- Grade 6 Mathematics (at provincial standard)
- 86%
St Denis Catholic Elementary School ↗
Elementary · JK-8 · English · Catholic
175 Carlton St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 81%
- Grade 3 Writing (at provincial standard)
- 76%
- Grade 3 Mathematics (at provincial standard)
- 62%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 94%
- Grade 6 Mathematics (at provincial standard)
- 50%
Edith Cavell Public School ↗
Elementary · JK-8 · English · Public
1 Monck St, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 3 Reading (at provincial standard)
- 91%
- Grade 3 Writing (at provincial standard)
- 91%
- Grade 3 Mathematics (at provincial standard)
- 70%
- Grade 6 Reading (at provincial standard)
- 100%
- Grade 6 Writing (at provincial standard)
- 93%
- Grade 6 Mathematics (at provincial standard)
- 36%
Sir Winston Churchill Secondary School ↗
Secondary · 9-12 · English · Public
101 Glen Morris Dr, St Catharines
Reported assessment results · source workbook 2024-2025
Source workbook percentages, not an overall school rating. Confirm assessment periods with the Ministry. Values may be privacy-rounded or suppressed; 0% and 100% do not always mean none or all.
- Grade 9 Mathematics (at provincial standard)
- 71%
- Grade 10 OSSLT (first-attempt pass)
- 91%
Confirm programs and attendance with the school board. Private schools and verified catchment boundaries are not included. Contains information licensed under the Open Government Licence – Ontario. Ministry source.
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Transit near this property
Published transit locations. Distances are straight-line estimates, not walking routes or travel times.
Rail & subway · within 5 km
- St. Catharines GOGO Transit · Train1.8 km
Bus & streetcar · within 2 km
- St. Catharines Downtown TerminalGO Transit · Bus161 m
Sources & service information
These are locations in published feeds, not live arrivals or confirmation of service at this moment. Station platforms are grouped only by the source parent-station relationship. Check the agency for schedules, disruptions, access and entrances. Coverage: TTC, GO Transit and UP Express only; other agencies are not yet connected.
- GO Transit source · feed 2026-11-04 to 2026-11-27 · checked 2026-11-09 14:58:21 UTC · Licence · Agency website
Filter the records displayed below.
Nearby shops & amenities
No nearby places were returned by the current OpenStreetMap snapshot. Coverage is regional and may be incomplete; verify business details before visiting.
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Similar homes for sale in 451 - Downtown, St. Catharines, Niagara, Ontario
Current public IDX listings in the same city and transaction type. These are alternatives to explore, not sold comparables or an appraisal.
Property questions
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Are the measurements and features independently verified?
Measurements, lot details and features are displayed as reported by the listing source or a named public dataset. Missing facts are not inferred. Confirm material details with the listing brokerage.
What do nearby school, transit and shop results mean?
They are nearby records from the displayed source datasets. Distances are approximate straight-line distances; school catchment eligibility, ratings, walking routes, hours and live transit service are not inferred.
Can I see sold prices for nearby properties?
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How should I use the monthly cost estimate?
It is a planning estimate based on the visible assumptions and reported property figures. It is not a lender quote, tax assessment, legal opinion or mortgage approval.
Home and neighbourhood overview
385 St. Paul Street, St. Catharines, ON L2R 3N1, St. Catharines is listed for sale as a Store W Apt/Office. Asking price: $1,079,000. Occupancy is reported as Tenant. MLS® X14165478.
The Ministry’s school dataset lists St Nicholas Catholic Elementary School approximately 339 m from the property’s mapped location. The published GO Transit feed includes St. Catharines GO, approximately 1.8 km away.
Local context
The Ministry’s school dataset lists St Nicholas Catholic Elementary School approximately 339 m from the property’s mapped location.
The published GO Transit feed includes St. Catharines GO, approximately 1.8 km away.
Sources & distance notes
Distances are approximate straight-line estimates to mapped points or area centres. School proximity does not establish attendance eligibility. Published transit locations do not confirm service at this moment.
Explore the area: Niagara · 451 - Downtown.
This overview uses facts reported by the listing and named local sources. Please confirm details with the listing brokerage.
Listing brokerage: EXP REALTY. Displayed by EnterHome Realty. Source: authorized IDX record, MLS® X14165478. Information deemed reliable but not guaranteed.