































192A ONTARIO Street
451 - Downtown, St. Catharines
$459,000
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.
No extras listed.
Visit this home
Pick a time that works for you.
No upcoming open houses.
| Type | Detached |
| Style | 1 1/2 Storey |
| Approx. Age | Not available |
| Size | 700-1100 sq. ft. |
| Property Tax | $3,426 |
| Lot Size | 39.26 ft x 107.51 ft |
| mls© Number | X13772230 |
| Listed By | RE/MAX GARDEN CITY REALTY INC, BROKERAGE |
Listing History
- No recent sale history for this listing.
- No recent lease history for this listing.
Could you afford this home?
What the bank counts
This home's actual carrying costs, payment stress-tested at 6%
- Mortgage, tested at 6%
- $2,349
- Property tax
- $286
- Heat allowance
- $150
- Housing costs
- $2,785 / mo
Lenders cap these at 39% of gross income — that sets the number.
Income needed
$86,000
gross annual household income
- Payment at 4%
- $1,932 / mo
- Cash down
- $91,800
Assumes no other monthly debts · 25-yr amortization
Full affordability checkInvestment Analysis
Estimated rent, cap rate and monthly cash flow for this property
Values and trends
Nearby listings
Comparable sales
- No similar listings found.





























































































































































































































































































































































































































































































































































































































































































































































