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310-3100 Steeles Ave W, Vaughan, ON, L4K 3R1
905-553-8500info@summitly.ca

©2026 Summitly. All rights reserved. Coldwell Banker Summit Realty, Brokerage.

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Listing data is provided by the Toronto Regional Real Estate Board (TRREB) via PropTx and is deemed reliable but not guaranteed. Coldwell Banker Summit Realty, Brokerage — an independently owned and operated Coldwell Banker franchise.

REALTOR® Disclosure▾

For listings in Canada, the trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.

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    For sale On market 82 days

    196 King Street

    Downtown·St. Catharines, ON·L2R 3J7·Near St. Paul St. and Geneva St.

    • 6 beds
    St. Catharines real estate›X12954136
    • Overview
    • History
    • Details
    • Location
    • Mortgage
    • Investment
    • Comparables
    • FAQ
    Open house & tour

    3 upcoming open houses

    Drop in during an open house, or tour online — no appointment needed.

    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    • Open house
      Date TBD
      Time TBD
    Overview

    What this listing tells us

    Property description

    Prime opportunity to acquire a downtown property offering a modern, turn-key mixed-use building with exceptional street exposure, rare private on-site parking, and outstanding long-term development potential. Ideally suited for investors or owner-operators, this versatile asset combines strong commercial and residential components with flexible M2 zoning, supporting a wide range of uses including commercial, residential, or mixed-use development. The property features a welcoming wrap-around porch that enhances curb appeal, while the interior offers a functional, adaptable layout suitable for a variety of professional uses. Multiple exterior entrances provide excellent flexibility for single or multi-tenant configurations, offering exceptional accessibility and future adaptability. Offering approximately 2,235 sq. ft. of finished above-grade space plus an additional 800 sq. ft. in the basement, this property presents an excellent opportunity to customize to your needs. The main floor features a spacious open-concept co-working office, two private offices, a boardroom-style office, and an inviting front foyer complete with a coffee station and a convenient 2-piece washroom. The upper level includes an oversized executive office, three additional private offices, and a well-appointed 3-piece bathroom. Positioned on a high-traffic downtown corridor surrounded by established businesses, restaurants, cafes, and local amenities, the property benefits from consistent exposure and strong foot traffic. Just steps from the Meridian Centre, FirstOntario Performing Arts Centre, transit hub, GO Station, and with quick access to Highway 406 and the QEW, the location offers unmatched connectivity across the region. Whether expanding an investment portfolio or securing a strategic location for a growing business, this property delivers exceptional visibility, versatility, and future development potential in one of the city's most desirable downtown settings.

    Cleaned for readability — original MLS® text was lightly de-abbreviated and decapitalized.

    History

    Listing, price, and tax history

    Every previous listing of this property, every list-price change, and 5 years of estimated annual property tax — switch tabs to drill in.

    DateEventStatusPriceChangeMLS®View
    Apr 2, 2026Previously listedNew$699,900 —X12949112View
    Apr 2, 2026ListedCurrentFor sale$699,900 —X12954136This page
    Sourced from MLS® · includes all previous listings of this property · tap View to open the archived listing in a new tab
    Property details

    Inside this property

    Systems, finishes, room dimensions, and building information — pulled from the full MLS® feed.

    Features & systems

    Heating, cooling, parking, exterior, lot, possession, and more.

    • Systems

      4
      Heating
      Forced Air
      Air conditioning
      Central Air
      Water source
      Municipal
      Sewer
    Location & lifestyle

    Getting around, schools & the block

    Walkability and transit, the nearest schools, an interactive map of the exact spot, and what's nearby.

    📍 196 King Street
    Financials

    The money — monthly cost, mortgage & return

    Everything financial in one place: what you'd pay each month, a live mortgage calculator at the asking price, and what it could return as a rental.

    Cost of ownership

    A monthly snapshot at typical assumptions — personalize the mortgage just below.

    Est. monthly mortgage
    $3,438
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $921
    1.58% mill rate · ON
    The market

    How this home sits in the St. Catharines market

    Live neighbourhood stats, the closed sales you'd negotiate against, and comparable active listings.

    The St. Catharines market right now

    Average sold price, days on market, and closed-transaction count for St. Catharines — sourced from MLS®.

    • Avg sold price
      $581,542
      Last 30 days
    • Median sold price
      $554,500
      Middle of the market
    • Days on market
      38 d
      Avg from list to close
    • Closed last 30d
      470
      MLS® transactions
    Full St. Catharines market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 196 King Street — the seller pays our commission

    On every MLS® listing in Canada, the seller's brokerage pays a cooperating commission to whoever brings the buyer. Buyer representation is free to you.

    Free buyer representation · Coldwell Banker® affiliate

    $0 to you. The seller pays our fee.

    On every MLS® listing in Canada, the seller's brokerage advertises a cooperating commission for the buyer's agent. A Coldwell Banker Summit Realty agent represents you — you owe us nothing.

    Call now
    Due diligence

    Property flags & disclosures

    An automated scan of public records and news for anything a buyer should know about this specific address — liens, outstanding work orders, or stigma-related history. We never invent flags.

    Nothing concerning surfaced — all clear.

    We scanned public records and news for liens, outstanding work orders, and stigma-related history (e.g. a former grow-op or fire) at 196 King Street and found nothing flagged. We re-check automatically as new records publish.

    Frequently asked

    Common questions about this property

    Tap a question to expand the answer. Short, direct answers tuned for AI search and voice assistants.

    • How much is 196 King Street listed for?

      196 King Street is listed at $699,900 on the MLS® (listing X12954136). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 196 King Street have?

    Coldwell Banker Summit Realty is a RECO-licensed Ontario real estate brokerage, independently owned and operated. Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Listing data is sourced from MLS® and is provided for informational purposes only — not guaranteed accurate by the MLS® or its members. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.

  1. 2 baths
  2. 2000-2500 sqft
  3. Detached
  4. Asking
    $699,900
    $0 / sqft · MLS® X12954136
    Chat Zara
  5. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $895,575
    $823,929Confidence range$967,221
    Asking vs estimate
    ↓below
    −$195,675
    (-21.8%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price, adjusted for 6 bedrooms (no sqft on file).

    Market analytics

    Homes like this in St. Catharines sell in about 38 days — this one has been listed 82 days.

    Avg sold price
    $581,542
    Median sold
    $554,500
    Avg days on market
    38
    Recently sold
    470
    See comparable sales
    AI highlights by Zara
    • Prime opportunity to acquire a downtown property offering a modern, turn-key mixed-use building with exceptional street exposure, rare private on-site parking, and outstanding long-term development potential.
    • Offering approximately 2,235 sq. ft. of finished above-grade space plus an additional 800 sq. ft. in the basement, this property presents an excellent opportunity to customize to your needs.
    • The main floor features a spacious open-concept co-working office, two private offices, a boardroom-style office, and an inviting front foyer complete with a coffee station and a convenient 2-piece washroom.
    • Just steps from the Meridian Centre, FirstOntario Performing Arts Centre, transit hub, GO Station, and with quick access to Highway 406 and the QEW, the location offers unmatched connectivity across the region.
    Ask Zara a follow-up
    Sewer
  6. Parking & garage

    3
    Garage
    None
    Parking spaces
    8
    Driveway
    8
  7. Interior

    3
    Basement
    Finished
    Family room
    Y
    Total rooms
    9
  8. Exterior & construction

    4
    Exterior
    Stucco (Plaster)
    Roof
    Asphalt Shingle
    Foundation
    Unknown
    Pool
    None
  9. Lot & land

    1
    Zoning
    M2
  10. Listing & possession

    3
    Occupancy
    flexible
    Property style
    2-Storey
    Property class
    Detached
  11. Combined estimate
    $4,359
    Mortgage + tax · before condo / insurance

    Mortgage & affordability

    Today's best Canadian rates from Mortgage Squad, then a live calculator — adjust down payment, amortization, and rate, and email yourself the report.

    Today's rates · Powered by Mortgage Squad
    350+ lender access · Best rate matched in 2 min
    Lock my rate
    • Best
      5-yr Fixed · Insured
      4.09%
      0.40% below banks
    • 5-yr Fixed · Conventional
      4.34%
      APR · OAC
    • 3-yr Fixed · Conventional
      4.49%
      APR · OAC
    • 5-yr Variable · Variable
      4.85%
      APR · OAC
    Rates indicative · Updated today · OAC, subject to underwritingSee all Mortgage Squad rates →
    Affordability calculator
    Estimated monthly payment
    $3,438
    /mo
    based on the purchase price of $699,900
    $139,980 cash
    $559,920 financed
    $471,600 total interest
    Monthly payment$3,438/ month
    Principal54%$559,920
    Interest46%$471,600

    20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.

    Email this mortgage report to yourself

    Save the full affordability breakdown — down payment, monthly, interest paid, and today's Mortgage Squad rate — in your inbox. Create a free Summitly account to save it, get rate-drop alerts, and build a shortlist.

    Create account & email meor send as guest
    Get pre-approved in minutes

    Know exactly what you can afford — a no-obligation pre-approval from Mortgage Squad.

    Get pre-approved

    Rental income & return

    What this home could rent for and the return at the asking price — an AI estimate against real property tax and condo fees.

    Est. monthly rent
    low–high
    Gross yield
    rent × 12 ÷ price
    Cap rate (est.)
    net of tax + fees

    AI estimate for discussion only — not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price and real property tax.

    Comparable detacheds that just sold in St. Catharines

    Swipe the closed sales, then use the table for a side-by-side $/sqft comparison against this home.

    • 178 Rykert Street
      Sold
      Sign in for price
      178 Rykert Street
      Detached
    • 22 Briarfield Crescent
      Sold
      Sign in for price
      22 Briarfield Crescent
      Detached
    • 37 Catherine Street
      Sold
      Sign in for price
      37 Catherine Street
      Detached
    • 3 Hallcrest Avenue
      Sold
      Sign in for price
      3 Hallcrest Avenue
      Detached
    • 331 St Paul Street
      Sold
      Sign in for price
      331 St Paul Street
      Detached
    • 267 VANSICKLE Road
      Sold
      Sign in for price
      267 VANSICKLE Road
      Detached
    AddressBd / BaSqftSold$/sqft% of askSold
    196 King StreetThis home6 / 220,002,500$699,900ask———
    178 Rykert Street6 / 52,500—
    22 Briarfield Crescent5 / 41,500—
    Sold prices are hidden under TRREB rules. Sign in to reveal them.

    More detacheds in St. Catharines

    Active listings within ±20% of this asking price.

    • 3 Nash Street
      $829,999
      3 Nash Street
      Detached 5 3
    • 6 Cedardale Avenue
      $569,900
      6 Cedardale Avenue
      Detached 6 3
    • 143 Village Road
      $699,900
      143 Village Road
      Detached 5 3
    • 6 Harcove Street
      $729,000
      6 Harcove Street
      Detached 5 2
    • 23 Glenbarr Road
      $799,000
      23 Glenbarr Road
      Detached 5 3
    • 21 Lincoln Avenue
      $749,000
      21 Lincoln Avenue
      Detached 5 4
    AI-first listing data

    Zara's valuation, full price history, room insights, and live MLS® refresh — all in one feed. No more comparing 4 sites.

  12. One team, no handoffs

    Your realtor, mortgage broker, and offer-night closing team work side-by-side. One conversation, not three.

  13. Showings on YOUR schedule

    Same-day showings for shortlisted homes, evenings + weekends. Your Coldwell Banker Summit Realty agent coordinates with the listing brokerage.

  14. Mortgage that closes

    Pre-approval, rate hold, and 350+ lender access via Mortgage Squad Advisors — no juggling lender chats yourself.

  15. Public listing courtesy of RE/MAX NIAGARA REALTY LTD, BROKERAGE · displayed on Summitly per MLS® data-share rules

    196 King Street is a 6-bedroom, 2-bath, 2000-2500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  16. When was 196 King Street built?

    The year built for 196 King Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  17. What is the property tax for 196 King Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 196 King Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  18. How much would the monthly mortgage be on 196 King Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $699,900 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  19. Has 196 King Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 196 King Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  20. What neighbourhood is 196 King Street in?

    196 King Street is in Downtown, St. Catharines. The 'Neighbourhood' section below links to the live St. Catharines real estate hub with average sold price, days on market, and current inventory.

  21. Is St. Catharines a good place to live?

    St. Catharines is one of ON's actively-tracked Summitly markets. The full St. Catharines real estate hub covers live average sold price, days on market, and neighbourhood-level inventory.

  22. 37 Catherine Street
    6 / 2
    1,100
    —
    3 Hallcrest Avenue5 / 21,100—
    331 St Paul Street5 / 21,500—
    267 VANSICKLE Road5 / 42,000—