<-- style PDP --> 20 Lloyd Street, St. Catharines - Single Family Residence for sale for $399,900
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    Home St. Catharines Western Hill 20 Lloyd Street 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    Single Family Residence sold at 20 Lloyd Street, St. Catharines, ON, L2S 2N8 - Western Hill - MLS: 40852502
    • sold
    • leased

    20 Lloyd Street

    St. Catharines, ON, L2S 2N8 - Western Hill

    $399,900$000000

    • Neighbourhood

      Western Hill

    • Major Intersection

    • Listed Since: 91 day(s)

    • Last update: 42 day(s) ago

    Overview

    • Property Type

      Single Family Residence, Residential

    • Bedrooms

      2 + 0

    • Bathrooms

      2

    • Basement

      Separate Entrance, Full, Finished

    • Kitchen

      n/a

    • Total Parking

      1

    • Lot Size

      Available Upon Request

    • Taxes

      $3,017.91 (2026)

    • Type

      Freehold

    Property Description

    Property description for 20 Lloyd Street, St. Catharines

    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.

    Listed by eXp Realty (Team Branch)

    Property details
    Room details
    Map

    • MLS #

      40852502

    • Sq. Ft

      890

    • Sq. Ft. Source

      MLS

    • Lot Irregularities

      n/a

    • Year Built

      Available Upon Request

    • Pool

      n/a

    • Drive

      n/a

    • Garage

      n/a

    • Total Parking

      1

    • Family Room

      n/a

    • Den

      n/a

    • Exterior

      Vinyl Siding

    • Fireplace

      n/a

    • Roof

      Shingle

    • Foundation

      Block, Concrete Block

    • Elevator

      n/a

    • Water View

      n/a

    • Laundry Level

      n/a

    • Heat

      Forced Air

    • A/C

      Central Air

    • Water

      Municipal

    • Water Supply

      n/a

    • Sewers

      n/a

    • Central Vac

      n/a

    • Kitchen

      5.28 x 5.33 ft Main level

    • Bathroom

      false Main level

      4-Piece

    • Bedroom

      2.74 x 3.12 ft Main level

    • Loft

      3.94 x 4.27 ft Second level

    • Bedroom

      3.81 x 3.30 ft Second level

    • Bathroom

      false Second level

      4-Piece

    • Living Room

      3.33 x 6.86 ft Main level

    • Utility Room

      false Basement level

    • Laundry

      false Basement level

    • Recreation Room

      false Basement level

    • MLS #

      40852502

    • Sq. Ft

      890

    • Sq. Ft. Source

      MLS

    • Lot Irregularities

      n/a

    • Year Built

      Available Upon Request

    • Pool

      n/a

    • Drive

      n/a

    • Garage

      n/a

    • Total Parking

      1

    • Family Room

      n/a

    • Den

      n/a

    • Exterior

      Vinyl Siding

    • Fireplace

      n/a

    • Roof

      Shingle

    • Foundation

      Block, Concrete Block

    • Elevator

      n/a

    • Water View

      n/a

    • Laundry Level

      n/a

    • Heat

      Forced Air

    • A/C

      Central Air

    • Water

      Municipal

    • Water Supply

      n/a

    • Sewers

      n/a

    • Central Vac

      n/a

    • Kitchen

      5.28 x 5.33 ft Main level

    • Bathroom

      false Main level

      4-Piece

    • Bedroom

      2.74 x 3.12 ft Main level

    • Loft

      3.94 x 4.27 ft Second level

    • Bedroom

      3.81 x 3.30 ft Second level

    • Bathroom

      false Second level

      4-Piece

    • Living Room

      3.33 x 6.86 ft Main level

    • Utility Room

      false Basement level

    • Laundry

      false Basement level

    • Recreation Room

      false Basement level

    Thinking of Selling?

    Find Out Your Home’s Value in Today’s Market!

    No Email or Signup is required to view your home estimate.

    estimate your home value

    Contact Manoj Kukreja

    Sales Representative,
    Century 21 People’s Choice Realty Inc.,
    Brokerage
    (647) 576 - 2100

    Manoj profile avatar

    Property History

    Property history for 20 Lloyd Street, St. Catharines

    This property has been sold 3 times before. Create your free account to explore sold prices, detailed property history, and more insider data.

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    Local Real Estate Price Trends for Single Family Residence in Western Hill

    Active listings

    38

    Average Selling Price of a Single Family Residence

    September 2026

    $443,492

    Last 3 Months

    $455,919

    Last 12 Months

    $427,186

    September 2025

    $417,500

    Last 3 Months LY

    $473,094

    Last 12 Months LY

    $515,349

    Change

    6%

    Change

    -4%

    Change

    -17%

    How many days Single Family Residence takes to sell (DOM)

    September 2026

    30

    Last 3 Months

    33

    Last 12 Months

    43

    September 2025

    54

    Last 3 Months LY

    37

    Last 12 Months LY

    33

    Change

    -44%

    Change

    -11%

    Change

    30%

    Average Selling price

    Loading...

    Mortgage Calculator

    This data is for informational purposes only.

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    Total Payable

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    Closing Cost Calculator

    This data is for informational purposes only.

    Closing Cost Total for this property

    Total Cash flow for purchasing this property

    Down Payment(%)*
    Additional information

    Provincial Land Transfer Tax

    Ontario Land Transfer Tax Rebate

    Toronto Land Transfer Tax

    Toronto Land Transfer Tax Rebate

    PST on CMHC Insurance Premium

    Lawyer Fees

    $2,825

    Government Registration Fee's

    $164

    Title Insurance

    Closing Cost Total

    Total Cash flow for purchasing this property

    Provincial Land Transfer Tax

    Ontario Land Transfer Tax Rebate

    Toronto Land Transfer Tax

    Toronto Land Transfer Tax Rebate

    PST on CMHC Insurance Premium

    Lawyer Fees

    $2,825

    Government Registarion Fee's

    $164

    Title Insurance

    Down Payment(%)*

    * A down payment of less than 20% is permitted only for first-time home buyers purchasing their principal residence. The minimum down payment required is 5% for the portion of the purchase price up to $500,000, and 10% for the portion between $500,000 and $1,500,000. For properties priced over $1,500,000, a minimum down payment of 20% is required.

    Thinking of Selling?

    Find Out Your Home’s Value in Today’s Market!

    No Email or Signup is required to view your home estimate.

    estimate your home value

    Contact Manoj Kukreja

    Sales Representative, Century 21 People’s Choice Realty Inc., Brokerage
    (647) 576 - 2100

    Manoj profile avatar

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