$399,900
20 Lloyd Street, St. Catharines, ON L2S 2N8
2 Beds
2 Baths
1 Parking
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!

Property Summary

Property Type Residential Freehold
Property Sub Type Detached
Transaction Type For Sale
Style 1 1/2 Storey
Approximate Age 100+
Bedrooms Above Grade 2
Kitchens 1
Basement Full, Finished, Separate Entrance
Exposure North
Possession Flexible

Building

Building Type Detached
Square Footage 700-1100
Exterior Vinyl Siding
Foundation Concrete Block, Block
Roof Shingles
Heating Forced Air
Heat Source Gas
Cooling Central Air
Fireplace No

Measurements

Lot Size 35.27 x 95.01
Lot Size Units Feet
Frontage 35.27
Depth 95.01
Total Living Area 700-1100

Land

Address 20 Lloyd Street, St. Catharines, ON L2S 2N8
City St. Catharines
Community 458 - Western Hill
County / Area Niagara
Cross Street St Paul Street - Lloyd Street
Sewer Sewer
Pool None
Parcel Number 461790312

Parking and Garage

Total Parking 1
Garage Spaces 0
Garage Type None

Taxes and Listing Info

List Price $399,900
Annual Taxes $3,018
Tax Year 2025
Status Active
Listing Date 2026-05-05T17:06:54Z
Updated 2026-06-01T16:51:17Z
MLS Number X13085250
Local Market Insight

What Buyers Should Know About 20 Lloyd Street, St. Catharines, ON L2S 2N8

This editorial summary helps buyers look beyond the headline price and review the neighbourhood, transit, schools, rental demand, long-term value, and due-diligence items that often matter before booking a showing or submitting an offer.

Neighbourhood Analysis

20 Lloyd Street, St. Catharines, ON L2S 2N8 is positioned in 458 - Western Hill, a part of St. Catharines where buyers should compare the street setting, nearby amenities, daily travel routes, and surrounding housing stock. For a 1 1/2 Storey, the strongest fit often depends on whether the location supports everyday routine as well as the numbers on paper.

School And Family Considerations

Families reviewing this Detached should confirm school boundaries directly with the local school boards before relying on listing notes. It is also worth checking walkability to parks, childcare, recreation centres, libraries, and community facilities because these details can influence both lifestyle value and future resale demand.

Transit And Access

The location should be assessed around commute patterns, access to St Paul Street - Lloyd Street, public transit options, parking availability, and drive times to employment areas. A property with 1 parking and practical road access can appeal to buyers who need convenience without giving up neighbourhood quality.

Investment Potential

At $399,900, buyers should compare recent nearby sales, days on market, condition, lot utility, and the cost of future repairs or upgrades. The property shows 2 bedrooms, 2 bathrooms, basement details marked as Full, Finished, Separate Entrance, and a lot size of 35.27 x 95.01, all of which can affect value.

Rental Demand

If this property is being reviewed as a rental or investment, demand should be measured by bedroom count, transit access, employment access, nearby schools, parking, and the condition of the unit or home. In St. Catharines, rental appeal usually improves when a property is easy to maintain and simple for tenants to live in.

Local Attractions And Amenities

Buyers should look at grocery access, restaurants, trails, parks, shopping, medical services, and weekend amenities around 458 - Western Hill. These features do not always appear in the MLS data, but they can make a major difference in how the home feels after move-in and how future buyers compare it.

Builder, Condition, And Due Diligence

For resale homes, review renovations, permits, roof and mechanical age, exterior condition, inclusions, and rental items. For condo or newer properties, review building history, maintenance fees, reserve fund information, rules, amenities, and future cost exposure. A showing and document review should confirm anything not visible in the listing.

Nearby Infrastructure

Infrastructure matters because transit improvements, road projects, schools, parks, commercial growth, and employment nodes can change how an area performs over time. For 20 Lloyd Street, St. Catharines, ON L2S 2N8, buyers should check municipal plans, nearby construction, zoning context, and future projects that may affect enjoyment or resale value.

This section is informational only. Buyers should verify schools, measurements, rental rules, taxes, zoning, and property condition with the appropriate professionals before making a decision.

Listing data is provided through PropTx/MLS data services and is deemed reliable but not guaranteed. Listings are subject to change without notice.