HN
20 Lloyd Street, St. Catharines, ON L2S 2N8, St. Catharines, ON
+19 photos
$439,900

20 Lloyd Street, St. Catharines, ON L2S 2N8, St. Catharines, ON

St. Catharines, ON L2S 2N8
2 beds 2 baths Detached

About this home

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!

Property Score

63/ 100
Overall Property Score
good

A blend of both buyer and investor metrics.

Score breakdown
Walkability
55/100good
Score based on neighborhood density, downtown proximity, and walkable amenities.
Transit Access
60/100good
GO Transit, LRT, and bus access from this neighborhood.
Schools
68/100good
Based on local school rankings (Fraser Institute proxy).
Affordability
64% of city avggreat
Priced below St. Catharines's average of $685,000.
Appreciation Trend
+1.5%/yrgood
St. Catharines has seen +1.5% YoY price change.
Monthly Cash Flow
-$926/mopoor
Estimated -$926/mo at 20% down, 5% rate, 25-yr amortization.
Cap Rate
3.09%good
Net operating income divided by purchase price.
Basement Suite Potential
Buildablegreat
Strong potential for a legal basement suite - could add ~$1,380/mo.
Move-In Ready
Avggreat
Estimate. Use the listing description and photos to assess actual condition.
MLS® # X13085250
Listings displayed are for informational purposes only and are believed to be accurate but are not guaranteed. MLS®, REALTOR®, and the associated logos are owned by The Canadian Real Estate Association (CREA). MLS® data is provided courtesy of the Toronto Regional Real Estate Board (TRREB) and is for personal, non-commercial use only. Cityscape Real Estate Ltd., Brokerage.