20 Lloyd Street, St. Catharines, ON L2S 2N8
St. Catharines, ON, L2S 2N8 · 458 - Western Hill
About this property
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.
Features & Amenities
- Basement: Full, Finished, Separate Entrance
- Garage: None
- Cooling: Central Air
- Heat Type: Forced Air
- Heat Source: Gas
- Style: 1 1/2 Storey
- Construction: Vinyl Siding
- Sewer: Sewer
Property Details
| Property Type | Residential Freehold |
|---|---|
| Property Sub-Type | Detached |
| Architectural Style | 1 1/2 Storey |
| Bedrooms | 2 |
| Bathrooms | 2 |
| Basement | Full, Finished, Separate Entrance |
| Garage | None |
| Parking Spaces | 1 |
| Heat Type | Forced Air |
| Heat Source | Gas |
| Cooling | Central Air |
| Sewer | Sewer |
| Annual Tax | $3,018 |
| Tax Year | 2025 |
Interior Features
- Interior Features
- Water Heater Owned, Primary Bedroom - Main Floor
Exterior Features
- Other Structures
- Fence - Full
- Pool Features
- None
Building & Construction
- Architectural Style
- 1 1/2 Storey
- Construction Materials
- Vinyl Siding
- Foundation Details
- Concrete Block, Block
- Roof
- Shingles
- Basement
- Full, Finished, Separate Entrance
- Approximate Age
- 100+
Heating & Cooling
- Heat Type
- Forced Air
- Heat Source
- Gas
- Cooling
- Central Air
Parking & Garage
- Garage Type
- None
- Parking Spaces
- 1
- Parking Total
- 1.00
- Covered Spaces
- 0
Lot & Land
- Lot Size Units
- Feet
- Lot Depth
- 95.01
- Lot Width
- 35.27
Community & Neighborhood
- Property Features
- Park, School, School Bus Route, Hospital, Public Transit, Fenced Yard
Financial & Tax
- Tax Annual Amount
- $3,018
- Tax Year
- 2025
- Possession Type
- Flexible
- Possession Details
- Flexible
Utilities & Services
- Sewer
- Sewer
Room Details
- Rooms Above Grade
- 9
- Kitchens Above Grade
- 1
- Kitchens Total
- 1
- Bedrooms Above Grade
- 2
Additional Details
- Occupant Type
- Vacant
- Direction Faces
- North
- County Or Parish
- Niagara
- Cross Street
- St Paul Street - Lloyd Street
- Directions
- St Paul Street - Lloyd Street
- Special Designation
- Unknown
- Showing Requirements
- Lockbox, Showing System
Location
20 Lloyd Street, St. Catharines, ON L2S 2N8, St. Catharines, ON, L2S 2N8