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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 80 days

    48 Carlisle Street

    Downtown·St. Catharines, ON·L2R 4H4·Near St. Paul

    • 6 beds
    St. Catharines real estate›X13030654
    • 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

    AWESOME COMMERCIAL/RESIDENTIAL FREEHOLD OPPORTUNITY IN DOWNTOWNThis is a rare opportunity to own a detached, freehold mixed use building in the heart of downtown St. Catharines, surrounded by culture, energy, and constant activity. Positioned directly across the street from the FirstOntario Performing Arts Centre and the Meridian Centre, this location offers built in visibility and everyday convenience that is difficult to replicate. What truly sets this property apart is its incredible adaptability. It can function as all commercial, all residential, or a smart combination of both creating a highly desirable live work or income generating setup. Each floor has its own entrance, allowing spaces to operate independently and giving owners the flexibility to evolve and reposition over time. Previously used as a law office, the layout may lend itself well to a wide range of professional and creative uses such as real estate, accounting, psychotherapy, chiropractic care, studios, or boutique offices. Outside, wrap around parking with two separate street entrances and exits adds everyday ease for staff, clients, or tenants, an uncommon and valuable feature in a downtown setting. Access to Ontario Highway 406 is quick and straightforward, making regional travel simple while keeping you connected to the city's most vibrant corridor. From an ownership perspective, this is a low maintenance and highly manageable asset, ideal as a standalone investment or a strong addition to a growing portfolio. For business owners, it offers the opportunity to step into brick and mortar ownership while potentially offsetting costs through rental income. Highly flexible, highly visible, and positioned in one of downtown's strongest locations, this is a property designed to work for you today and adapt for tomorrow. Reach out to learn more about how this unique opportunity could fit your plans.

    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
    Jul 2, 2026Previously listedNew$2,450 —X13520984View
    Apr 22, 2026Previously listedPc$465,000 —X13030392View
    Apr 22, 2026ListedCurrentFor sale$465,000 —X13030654This page
    Feb 11, 2026Previously listedTer$479,900 —X12779890View
    Feb 11, 2026Previously listedTer$479,900 —X12779892View
    Apr 17, 2025Previously listedTer$509,000 —X12089955View
    Jul 10, 2024Previously listedTer$560,000 —X9031833View
    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.

    📍 48 Carlisle Street
    What's nearby

    Points of interest classified by the MLS® feed.

    • Arts Centre
    • Golf
    • Hospital
    • Public Transit
    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
    $2,284
    20% down · 25y · 5.50% — adjust below ↓
    Est. monthly property tax
    $773
    1.99% 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
      $599,811
      Last 30 days
    • Median sold price
      $560,000
      Middle of the market
    • Days on market
      36 d
      Avg from list to close
    • Closed last 30d
      469
      MLS® transactions
    Full St. Catharines market report
    Buy with Coldwell Banker Summit Realty

    We'll get you into 48 Carlisle 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 48 Carlisle 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 48 Carlisle Street listed for?

      48 Carlisle Street is listed at $465,000 on the MLS® (listing X13030654). The price refreshes on Summitly within minutes of any MLS® change.

    • How many bedrooms, bathrooms, and square feet does 48 Carlisle 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. 1100-1500 sqft
  3. Detached
  4. < .50 ac lot
  5. Asking
    $465,000
    $0 / sqft · MLS® X13030654
    Chat Zara
  6. Zara AI Estimate
    Live · refreshes nightly
    Estimated value
    $923,709
    $849,812Confidence range$997,606
    Asking vs estimate
    ↓below
    −$458,709
    (-49.7%)
    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 36 days — this one has been listed 80 days.

    Avg sold price
    $599,811
    Median sold
    $560,000
    Avg days on market
    36
    Recently sold
    469
    See comparable sales
    Walk through online
    Listing agent has provided two interactive tours
    Open virtual tourWatch video tour
    AI highlights by Zara
    • Catharines, surrounded by culture, energy, and constant activity.
    • What truly sets this property apart is its incredible adaptability.
    • Each floor has its own entrance, allowing spaces to operate independently and giving owners the flexibility to evolve and reposition over time.
    • Outside, wrap around parking with two separate street entrances and exits adds everyday ease for staff, clients, or tenants, an uncommon and valuable feature in a downtown setting.
    Ask Zara a follow-up
    Sewer
  7. Parking & garage

    3
    Garage
    None
    Parking spaces
    6
    Driveway
    Circular Drive
  8. Interior

    4
    Basement
    Crawl Space
    Family room
    N
    Total rooms
    7
    Elevator
    N
  9. Exterior & construction

    5
    Exterior
    Vinyl Siding
    Roof
    Metal
    Foundation
    Stone
    View
    Downtown
    Pool
    None
  10. Lot & land

    1
    Zoning
    M2
  11. Listing & possession

    3
    Occupancy
    Flexible
    Property style
    2-Storey
    Property class
    Detached
  12. Room-by-room · 9 rooms

    Every room with its dimensions, level, and notable features.

    Room dimensions

    Main level

    5 rooms
    • Office
      11.6 × 11.0 ft
    • Other
      11.6 × 10.9 ft
    • Office
      10.4 × 6.9 ft
    • Bathroom
      2 Pc Bath
      6.9 × 4.8 ft
    • Bedroom
      12.3 × 12.1 ft

    Second level

    4 rooms
    • Bathroom
      2 Pc Bath
      9.4 × 6.3 ft
    • Bedroom
      12.0 × 10.4 ft
    • Bedroom
      19.1 × 12.9 ft
    • Office
      12.0 × 8.1 ft
    Combined estimate
    $3,057
    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
    $2,284
    /mo
    based on the purchase price of $465,000
    $93,000 cash
    $372,000 financed
    $313,322 total interest
    Monthly payment$2,284/ month
    Principal54%$372,000
    Interest46%$313,322

    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.

    • 47 RIDGE POINT Drive
      Sold
      Sign in for price
      47 RIDGE POINT Drive
      Detached
    • 6 Harcove Street
      Sold
      Sign in for price
      6 Harcove Street
      Detached
    • 143 Village Road
      Sold
      Sign in for price
      143 Village Road
      Detached
    • 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
    AddressBd / BaSqftSold$/sqft% of askSold
    48 Carlisle StreetThis home6 / 211,001,500$465,000ask———
    47 RIDGE POINT Drive5 / 53,500—
    6 Harcove Street5 / 21,100—
    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.

    • 36 Brighton Avenue
      $499,900
      36 Brighton Avenue
      Detached 5 3
    • 62 Currie Street
      $399,999
      62 Currie Street
      Detached 5 3
    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.

  13. One team, no handoffs

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

  14. Showings on YOUR schedule

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

  15. Mortgage that closes

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

  16. Public listing courtesy of YOUR HOME SOLD GUARANTEED REALTY ELITE · displayed on Summitly per MLS® data-share rules

    48 Carlisle Street is a 6-bedroom, 2-bath, 1100-1500 sqft. Full room dimensions and floor breakdown are in the 'Rooms' section of this page.

  17. When was 48 Carlisle Street built?

    The year built for 48 Carlisle Street isn't published in this MLS® feed — ask a Summitly realtor for the construction year from the seller's disclosure.

  18. What is the property tax for 48 Carlisle Street?

    The 'Property tax' tab in the History section shows the most recent annual tax for 48 Carlisle Street plus a 5-year breakdown with YoY % change. Monthly equivalent is shown alongside.

  19. How much would the monthly mortgage be on 48 Carlisle Street?

    The affordability calculator on this page shows an estimated monthly mortgage for $465,000 at 20% down, 25-year amortization, and 5.5% rate. Adjust the sliders to model your own down payment and rate.

  20. Has 48 Carlisle Street been sold before?

    The 'Listing history' tab above lists every previous MLS® listing of 48 Carlisle Street with its list date, sold price (when sold), and final status. Each row is colour-coded with price-change arrows.

  21. What neighbourhood is 48 Carlisle Street in?

    48 Carlisle 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.

  22. 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.

  23. 143 Village Road
    5 / 3
    1,500
    —
    178 Rykert Street6 / 52,500—
    22 Briarfield Crescent5 / 41,500—
    37 Catherine Street6 / 21,100—