20 LLOYD Street
St. Catharines, Ontario
- 2 bed
- 2 bath
- Single Family
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 History
Schools
Elementary
- St Anthony Catholic Elementary School0.4 km
Catholic · Niagara CDSB · 380 students
Grade 3 reading: 88% met the provincial standard · Grade 6 math: 57% met the provincial standard
- DSBN Academy0.6 km
Public · DSB Niagara · 230 students
Grade 6 math: 54% met the provincial standard
- Edith Cavell Public School0.6 km
Public · DSB Niagara · 225 students
Grade 3 reading: 91% met the provincial standard · Grade 6 math: 36% met the provincial standard
Secondary
- DSBN Academy0.6 km
Public · DSB Niagara · 225 students
Grade 10 literacy: 91% met the provincial standard
- Denis Morris Catholic High School1.6 km
Catholic · Niagara CDSB · 930 students
Grade 10 literacy: 92% met the provincial standard
- Sir Winston Churchill Secondary School2 km
Public · DSB Niagara · 1025 students
Grade 10 literacy: 91% met the provincial standard
Straight-line distance. Nearby schools are not necessarily the assigned schools — confirm catchment with the school board. Scores are EQAO provincial test results for 2024-2025.
Community
Postal area L2S
- Population
- 19,400
- Private dwellings
- 7,837
- Median age
- 42
- Average household size
- 2.5
- Median household income
- $82,000
Source: Statistics Canada, 2021 Census of Population, catalogue 98-401-X2021013. Adapted from Statistics Canada. This does not constitute an endorsement by Statistics Canada of this product.
Local market
Single Family in St. Catharines · last 12 months
- Median sold price
- $540,000
- Homes sold
- 1,625
- Median days on market
- 26
- Sale-to-list price
- 96.6%
Based on 1,625 recorded sales of single family properties in St. Catharines over the last 12 months.
Walk Score
Walk Score is unavailable for this address right now.
Location
Street View
Mortgage Calculator
$79,980
Estimated Monthly Payment
$1,965
Land transfer tax
Ontario land transfer tax only. An estimate — not legal or financial advice. Municipal land transfer tax applies in Toronto and is not included.
Investment Analysis
No recent nearby lease data. Enter a rent to see the numbers.
Mortgage: $1,965/mo (20% down, 5.5%)
Taxes: $0/mo · Insurance: $100/mo
Estimates only. Consult a financial advisor.
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