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Coldwell Banker Summit Realty

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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 338 daysPrice drop · $20,000 off (-13.4%)

    22 James Street

    Downtown·St. Catharines, ON·L2R 5B8·Near James ans St. Paul

    • 1835 sqft
    St. Catharines real estate›X12297593
    • 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

    Established restaurant in the heart of downtown St. Catharines, 20 year history, turn key operation. Looking for a new owner to take over as downtown's facelift continues. Possession date flexible. All chattels and inventory included, transfer of liquor license, in good standing. Employees willing to stay on, will need to be negotiated with the individuals.

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

    AI highlights by Zara
    • Established restaurant in the heart of downtown St.
    • Catharines, 20 year history, turn key operation.
    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
    Jun 23, 2026Price reducedCurrentReduced$129,000−$20,000 (13.4%)X12297593This page
    May 8, 2026Previously listedPc$124,000 —X13103800View
    Apr 30, 2026Previously listedTer$109,000 —X13065572View
    Jul 21, 2025ListedCurrentFor sale$149,000 —X12297593This 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

      3
      Heating
      Gas Forced Air Closed
      Air conditioning
      Yes
      Water source
      Municipal
    Location & lifestyle

    Getting around, schools & the block

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

    📍 22 James 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
    $634
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $405
    3.77% 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
      $582,976
      Last 30 days
    • Median sold price
      $554,500
      Middle of the market
    • Days on market
      37 d
      Avg from list to close
    • Closed last 30d
      472
      MLS® transactions
    Full St. Catharines market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 22 James 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 22 James 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 22 James Street listed for?

      22 James Street is listed at $129,000 on the MLS® (listing X12297593). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 22 James 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. Sale Of Business
  2. Asking
    $129,000
    $70 / sqft · MLS® X12297593
    Chat Zara
  3. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $582,976
    $536,338Confidence range$629,614
    Asking vs estimate
    ↓below
    −$453,976
    (-77.9%)
    Asking is below estimate
    Run the affordability numbers

    Based on the city's average sold price (limited data on this listing).

    Market analytics

    Homes like this in St. Catharines sell in about 37 days — this one has been listed 338 days.

    Avg sold price
    $582,976
    Median sold
    $554,500
    Avg days on market
    37
    Recently sold
    472
    See comparable sales
  4. Looking for a new owner to take over as downtown's facelift continues.
  5. Possession date flexible.
  6. Ask Zara a follow-up

    Parking & garage

    1
    Garage
    None
  7. Lot & land

    1
    Zoning
    M1
  8. Listing & possession

    3
    Possession
    2025-09-02T00:00:00.000-00:00
    Property style
    Without Property
    Property class
    Sale Of Business
  9. Combined estimate
    $1,039
    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
    $634
    /mo
    based on the purchase price of $129,000
    $25,800 cash
    $103,200 financed
    $86,921 total interest
    Monthly payment$634/ month
    Principal54%$103,200
    Interest46%$86,921

    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.

    More sale of businesss in St. Catharines

    Active listings within ±20% of this asking price.

    • 80 KING Street
      $135,000
      80 KING Street
      Sale Of Business 1
    • 22 James Street
      $124,000
      22 James Street
      Sale Of Business 3
    • 21A King Street
      $110,000
      21A King Street
      Sale Of Business 1
    • 191 Welland Avenue
      $149,000
      191 Welland Avenue
      Sale Of Business
    • 126 St. Paul Street
      $149,900
      126 St. Paul Street
      Sale Of Business
    • 36 HISCOTT Street
      $149,900
      36 HISCOTT Street
      Sale Of Business 1
    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.

  10. One team, no handoffs

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

  11. Showings on YOUR schedule

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

  12. Mortgage that closes

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

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

    22 James Street is a 1835 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  14. When was 22 James Street built?

    The year built for 22 James Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  15. What is the property tax for 22 James Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 22 James Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  16. How much would the monthly mortgage be on 22 James Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $129,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  17. Has 22 James Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 22 James Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  18. What neighbourhood is 22 James Street in?

    22 James 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.

  19. 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.