177 James Street, St. Catharines

$289,000
177 James Street

$289,000

New
3d
DetachedBungalow

177 James Street, St. Catharines

Total Monthly Obligation $2,192

Beds
2
Baths
1
Park
3
Sqft
1100-1500
DOM
3d
Score
42
Yield
11.3%
Cash on Cash
14.8%
Cap Rate
7.8%
5Y IRR
27.7%
10Y IRR
24.9%
Property Type-Detached
MLS® Number-X14099226
Beds-2
Bathrooms-1
Size-1100-1500 sqft
Lot Size-37 × 100 ft
Listed on site-Oct 20, 2026
Style-Bungalow
Building Type-Detached
Taxes-$7,811.67 (2026)
Parking-3 - None
Basement-Unfinished, Partial Basement
Heating-Radiant (Gas)
Brokerage-ROYAL LEPAGE NRC REALTY
Cooling-Window Unit(s)
Laundry-No
Fireplace-No
Pool-None
Facing-West
Exterior-Vinyl Siding
Roof-Asphalt Shingle
Foundation-Block, Stone
Sewer-Sewer
Possession-30 Days / TBD
Neighbourhood-451 - Downtown
Title-Residential Freehold

No agent assigned

Prime Downtown Opportunity With Flexible C1 Zoning & Private Rear Parking For 3-4 Vehicles (W/Potential For More Parking Space). Highly Visible 1144sf Detached Bungalow On A 37 X 100 Ft Lot In The Heart Of Downtown St. Catharines. Previously Used As An Office, The Property Offers Excellent Exposure For Your Business And Potential For A Variety Of Other Permitted Commercial, Service, Office, And Retail Uses, Subject To Applicable Zoning Requirements. Originally A 2-Bedroom Single-Family Home And Later Converted To A Commercial Office Use, The Property Offers A Welcoming Atmosphere And A Functional Residential-Style Layout. The Main Level Features A Large Open Office/Reception Area, A Kitchen, A Full 4-Piece Bathroom, 2 Private Offices, An Additional Open Workspace, And A Convenient Rear-Entry Laundry/Mudroom Area. Situated In A Prominent Downtown Location With Private Parking At The Rear Of The Property, This Is An Excellent Opportunity For Business Owners, Investors, Or Professionals Seeking A Stand-Alone Commercial Building With Exceptional Visibility And Accessibility. Why Lease When You Can Own Your Own Commercial Space And Invest In Your Own Equity? A Rare Opportunity To Secure An Affordable Well-Located Commercial Property In One Of St. Catharines' Most Established Business Districts. *Some Photos Have Been Virtually Staged. *The City of St. Catharines Requires Rezoning and/or Permits For Mixed Use or Home Based Business.

$
$
%
%
$
$
$
(utilities, internet...)
$
%
%

Closing Costs

Mortgage Amount
$231,200
Land Transfer Taxes$2,810
Legal Fees (Est.)
$
Total cash required for closing$62,110

Total Monthly Obligation

$2,192/mo
Mortgage $1,166
Monthly Loss $1,885
Principal$307
Interest$859
Property Tax$651
Home Insurance$125
Variable Costs$250
Returns
Weight: 25%
Cap Rate
5.9%49
Cash-on-Cash
5.1%23
5-Year IRR
20.3%92
10-Year IRR
19.3%
Returns Index
56.0/ 100
Growth Sentiment
Weight: 20%
%/yr
Score+50
%/yr
Score+50
%
%
Growth Index
50.0/ 100
GradeC
42/ 100
Poor•Caution

Strategy: Buy & Hold — Weights: CFI 35% · RI 25%
RKI 20% · GI 20%

Assumptions & Inputs
$/mo
%
$
yr
%
Cash Flow
Weight: 35%
Gross Rent
$32,772/yr
NOI
$17,183/yr
Net Cash Flow
$266/mo
Cash Margin
9.7%26
Cash Flow Index
25.9/ 100
Risk Profile
Weight: 20%
DSCR
1.2348
LTV Ratio
80.0%18
Vacancy Buffer
4.3 mo74
Risk Index
46.6/ 100

*This analysis is independently generated NOT provided by TREB or CREA.

Comparables

Properties near 177 James Street

Time

Comparables are calculated within a 3km radius based on properties sold or leased within the past 6 months. This helps you understand the current market value and potential rental yield with high precision.

Data is provided courtesy of PropTx.

The information provided herein must only be used by consumers who have a bona fide interest in the purchase, sale, or lease of real estate and may not be used for any commercial or other purpose.

Listing information is deemed reliable but not guaranteed accurate by PropTx or TRREB.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks owned by REALTOR® Canada Inc. and licensed exclusively to the Canadian Real Estate Association (CREA).

The MLS® trademark and MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA.

Data last updated within the past 24 hours.