| 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. |
| Price | $399,900 |
| Taxes: | $3017.91 |
| Occupancy: | Vacant |
| Address: | 20 Lloyd Street , St. Catharines, L2S 2N8, Niagara |
| Directions/Cross Streets: | St Paul Street - Lloyd Street |
| Rooms: | 9 |
| Bedrooms: | 2 |
| Bedrooms +: | 0 |
| Family Room: | F |
| Basement: | Full, Finished |
| Washroom Type | No. of Pieces | Level |
| Washroom Type 1 | 4 | |
| Washroom Type 2 | 4 | |
| Washroom Type 3 | 0 | |
| Washroom Type 4 | 0 | |
| Washroom Type 5 | 0 |
| Total Area: | 0.00 |
| Approximatly Age: | 100+ |
| Property Type: | Detached |
| Style: | 1 1/2 Storey |
| Exterior: | Vinyl Siding |
| Garage Type: | None |
| Drive Parking Spaces: | 1 |
| Pool: | None |
| Other Structures: | Fence - Full |
| Approximatly Age: | 100+ |
| Approximatly Square Footage: | 700-1100 |
| Property Features: | Park, School |
| CAC Included: | N |
| Water Included: | N |
| Cabel TV Included: | N |
| Common Elements Included: | N |
| Heat Included: | N |
| Parking Included: | N |
| Condo Tax Included: | N |
| Building Insurance Included: | N |
| Fireplace/Stove: | N |
| Heat Type: | Forced Air |
| Central Air Conditioning: | Central Air |
| Central Vac: | N |
| Laundry Level: | Syste |
| Ensuite Laundry: | F |
| Sewers: | Sewer |
| Although the information displayed is believed to be accurate, no warranties or representations are made of any kind. |
| EXP REALTY |
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| Type: | Freehold - Detached |
| Area: | Niagara |
| Municipality: | St. Catharines |
| Neighbourhood: | 458 - Western Hill |
| Style: | 1 1/2 Storey |
| Approximate Age: | 100+ |
| Tax: | $3,017.91 |
| Beds: | 2 |
| Baths: | 2 |
| Fireplace: | N |
| Pool: | None |