20 LLOYD Street, St. Catharines, Ontario, L2S2N8
MLS: 40827430 | House (Freehold)
$439,900
Property Description
Attention first-time buyers and investors! This updated detached home offers unbeatable value under $450K in a prime St. Catharines location, combining affordability, convenience, and modern upgrades in one exceptional package. This charming 1.5-storey home features 2 bedrooms, a bright and functional layout, and approximately 890 sq ft above grade, plus a finished basement with separate entrance—ideal for extended living space, a home office, or potential income opportunity. The fully fenced yard provides privacy and space to relax or entertain, complemented by a new front deck (2023) and brand new back deck (2025) for outdoor enjoyment. Step inside to a fresh, modern interior showcasing extensive 2026 renovations, including a new kitchen countertop, new flooring throughout the main level, updated lighting, fresh paint throughout the entire home, and new fixtures in both the kitchen and bathroom. Additional key updates include roof (2020), hot water tank (2023), and updated windows (2019)—offering peace of mind and true move-in ready living. Location is a standout feature—situated directly across from a park with a city-run pool, perfect for families and active lifestyles. Enjoy easy access to public transit with direct routes to Brock University, and just minutes to St. Catharines Hospital, shopping, and everyday amenities. Commuters will appreciate being only moments from GO/VIA rail access. Whether you're looking to enter the market, downsize without compromise, or invest in a high-demand rental area, this property checks all the boxes with strong lifestyle appeal and income potential. An incredible opportunity to own a thoughtfully updated detached home in a growing Niagara neighbourhood—don't miss your chance!
Quick Facts
- Property Type: House (Freehold)
- Bedrooms: 2 (2 above)
- Bathrooms: 2
- Living Area: 890 sq ft (82.7 m²)
- Above Grade: 890 sq ft (82.7 m²)
- Ownership: Freehold
- Attached: No
- Parking: 1.0 space
- Frontage: 35 ft (10.7 m)
Costs
- Annual Taxes: $3,017.91
Listing Provided by: eXp Realty (Team Branch)
Board: Cornerstone Association of REALTORS®
Data provided via CREA DDF®.
Detailed Features
Interior & Systems
- Heating: Forced air
- Cooling: Central air conditioning
- Basement: Finished, Full
- Appliances: Washer, Refrigerator, Dishwasher, Stove, Dryer
Exterior & Construction
- Exterior: Vinyl siding
- Foundation: Block
- Fencing: Fence
- Sewer: Municipal sewage system
- Water: Municipal water
Lot & Land
- Frontage: 35 ft (10.7 m)
- Zoning: R2
Community & Neighbourhood
- Community: School Bus
- Subdivision: 458 - Western Hill
Room Details (10 rooms)
Listing Information
Listing History
MLS listing activity for 20 LLOYD Street, St. Catharines, Ontario, L2S2N8 — dates reflect when changes were recorded in the DDF
Location & Neighborhood
🚗 Travel times
Neighborhood Walkability
Mortgage & Cost Calculators
Nearby Homes ?Nearby Homes — Search CriteriaSearch Radius1 kmPrice Range±30%Match BedroomsNoMatch BathroomsNo
4 HILDA Street, St. Catharines
House$419,000
$2,738/yr taxListing Courtesy of Michael St. Jean Realty Inc.
12 BAILEY Street, St. Catharines
House$499,900
$2,508/yr taxListing Courtesy of Cornerstone Association of REALTORS®
Similar Homes ?Similar Homes — Search CriteriaSearch Radius5 kmPrice Range±5%Match Home TypeYesMatch BedroomsYes
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$2,791/yr taxListing Courtesy of Cornerstone Association of REALTORS®
4 HILDA Street, St. Catharines
House$419,000
$2,738/yr taxListing Courtesy of Michael St. Jean Realty Inc.
Property Comparables ?Active Comparables — Search CriteriaSearch Radius2 kmPrice Range±15%Match Home TypeYesMatch BedroomsYes
4 HILDA Street, St. Catharines
House$419,000
$2,738/yr taxListing Courtesy of Michael St. Jean Realty Inc.
1061 VANSICKLE Road N Unit# 303B, St. Catharines
Condo - Apartment$398,900
$3,200/yr taxListing Courtesy of Royal LePage NRC Realty Inc.
12 BAILEY Street, St. Catharines
House$499,900
$2,508/yr taxListing Courtesy of Cornerstone Association of REALTORS®
39 DURKSEN Drive, St. Catharines
Row / Townhouse$499,900
$4,615/yr taxListing Courtesy of RE/MAX Escarpment Realty Inc.
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20 LLOYD Street, St. Catharines, Ontario, L2S2N8