Attention first-time buyers, downsizers, and investors! Finding a detached, move-in ready home under $400K is becoming increasingly rare, and this beautifully updated St. Catharines home is an opportunity you won't want to miss. Offering approximately 890 sq ft above grade plus a finished basement with a separate entrance, this home delivers exceptional value with modern updates and plenty of flexibility. The bright main floor features 2 bedrooms and has been refreshed with new flooring throughout the main level, fresh paint, updated lighting, a new kitchen countertop, and new kitchen and bathroom fixtures (2026). Major updates include windows (2019), roof (2020), and hot water tank (2023), providing added peace of mind. The finished basement offers additional living space, a home office, rec room, or future income potential, while the separate entrance has been professionally waterproofed and a brand new sump pump with a 25-year warranty has been installed. Outside, enjoy a fully fenced backyard, new front deck (2023), and brand new back deck (2025). Located directly across from a park with a city-operated outdoor pool and just minutes to Brock University, St. Catharines Hospital, shopping, GO/VIA Rail, and everyday amenities, this home combines affordability, convenience, and thoughtful updates in one exceptional package.
Address
20 Lloyd Street
List Price
$399,900
MLS® Status
New
Property Type
Residential Freehold
Type of Dwelling
Detached
Style of Home
1 1/2 Storey
Transaction Type
Sale
Area
St. Catharines
Sub-Area
458 - Western Hill
Region
Niagara
Bedrooms
2
Bedrooms (Total)
2
Rooms Above Grade
9
Bathrooms
2
Floor Area
700-1100 Sq. Ft.
Lot Size Source
MPAC
Lot Depth
95.01
Lot Shape
Irregular
Lot Size Units
Feet
Lot Width
35.27
Parcel Number
461790312
Occupant Type
Vacant
Cross Street
St Paul Street - Lloyd Street
Approx. Age
100+ Years
MLS® Number
X13625886
Listing Brokerage
EXP REALTY
Basement Area
Full, Finished, Separate Entrance
Postal Code
L2S 2N8
Posession Details
Flexible
Parking Places (Total)
1
Parking Spaces
1
Tax Amount
$3,017.91
Tax Year
2025
Site Influences
Fenced Yard, Hospital, Park, Public Transit, School, School Bus Route
Interior Features
Water Heater Owned, Primary Bedroom - Main Floor
Property Features
Park, School, School Bus Route, Hospital, Public Transit, Fenced Yard
Central Vacuum
No
Family Room
No
Ensuite Laundry
No
Special Designation
Unknown
Standard Status
Active
Board Or Association
Niagara Association of REALTORS
Heat Source
Gas
Heat Type
Forced Air
Cooling Features
Central Air
Construction Materials
Vinyl Siding
Direction Faces
North
Fireplace
No
Foundation Details
Concrete Block, Block
Garage
No
Garage Type
None
Kitchens Total
1
Kitchens Above Grade
1
Other Structures
Fence - Full
Pool Features
None
Roof
Shingles
Tax Legal Description
PT LT 1734 CP PL 2 GRANTHAM, PT 1 30R11233; ST. CATHARINES
Waterfront
No
Sewer
Sewer
