Detached House for sale at 20 Lloyd Street, St. Catharines, Ontario, L2S 2N8 - Western Hill - MLS: X13085250

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20 Lloyd Street

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

$439,900

Virtual Tour

Neighbourhood

Western Hill
Major Intersection

St Paul Street - Lloyd Street

Listed Since: 2 day(s)
Last update: today

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Overview

Property Type

Detached, 1 1/2 Storey
Bedrooms

2
Bathrooms

2
Basement

Full + Finished
Kitchen

1
Total Parking

1
Lot Size

35.27x95.01 (Feet)
Taxes

$3,017.91 (2025)
Type

Freehold

Property Description

Property description for 20 Lloyd Street, St. Catharines

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!

Listed by EXP REALTY

Property details

MLS #

X13085250
Sq. Ft

700-1100
Sq. Ft. Source

MLS
Lot Irregularities

n/a
Year Built

100+
Pool

None
Drive

n/a
Garage

None
Total Parking

1
Family Room

N
Den

N
Exterior

Vinyl Siding
Fireplace

N
Roof

Shingles
Foundation

Concrete Block, Block
Elevator

n/a
Water View

n/a
Laundry Level

Lower
Heat

Forced Air
A/C

Central Air
Water

Municipal
Water Supply

n/a
Sewers

Sewers
Central Vac

N

MLS #

X13085250
Sq. Ft

700-1100
Sq. Ft. Source

MLS
Lot Irregularities

n/a
Year Built

100+
Pool

None
Drive

n/a
Garage

None
Total Parking

1
Family Room

N
Den

N
Exterior

Vinyl Siding
Fireplace

N
Roof

Shingles
Foundation

Concrete Block, Block
Elevator

n/a
Water View

n/a
Laundry Level

Lower
Heat

Forced Air
A/C

Central Air
Water

Municipal
Water Supply

n/a
Sewers

Sewers
Central Vac

N

Br

3.82 x 3.31 ft 2nd level
Loft

3.93 x 4.27 ft 2nd level
2nd Br

2.75 x 3.13 ft Main level
Kitchen

5.28 x 5.34 ft Main level
Living

3.32 x 6.85 ft Main level
Kitchen

5.27 x 5.34 ft Main level
Laundry

5.79 x 1.58 ft Bsmt level
Rec

5.55 x 2.78 ft Bsmt level
Utility

1.83 x 2.8 ft Bsmt level

Contact Manoj Kukreja

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

Property History

Property history for 20 Lloyd Street, St. Catharines

This property has been sold 1 time before. Create your free account to explore sold prices, detailed property history, and more insider data.

Local Real Estate Price Trends for Detached in Western Hill

Active listings

Average Selling Price of a Detached

April 2026

$551,750

Last 3 Months

$466,550

Last 12 Months

$437,469

April 2025

$545,000

Last 3 Months LY

$511,833

Last 12 Months LY

$515,059

Change

-9%

Change

-15%

How many days Detached takes to sell (DOM)

April 2026

Last 3 Months

Last 12 Months

April 2025

Last 3 Months LY

Last 12 Months LY

Change

90%

Change

180%

Change

50%

Average Selling price

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Closing Cost Calculator

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Closing Cost Total for this property

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Purchase Price

First time home buyer

Down Payment($)

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

Purchase Price

Down Payment($)

Down Payment(%)*

First time home buyer

* 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.