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Moe Kamali

Broker Of Record
Kamali Group Realty , Brokerage Independently owned and operated. 30 Drewry Ave, Toronto, Ontario M2M 4C4 Office: 416-994-5000Fax: 416.352.5397

$399,900
Available - For Sale
Listing ID: X13625886
20 Lloyd Street , St. Catharines, L2S 2N8, Niagara


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
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Down Payment $ $ $ $
First Mortgage $ $ $ $
CMHC/GE $ $ $ $
Total Financing $ $ $ $
Monthly P&I $ $ $ $
Expenses $ $ $ $
Total Payment $ $ $ $
Income Required $ $ $ $

This chart is for demonstration purposes only. Always consult a professional financial advisor before making personal financial decisions.

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This calculator is for demonstration purposes only. Always consult a professional financial advisor before making personal financial decisions.
Although the information displayed is believed to be accurate, no warranties or representations are made of any kind.
EXP REALTY
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Fax:
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At a Glance:
Type: Freehold - Detached
Area: Niagara
Municipality: St. Catharines
Neighbourhood: 458 - Western Hill
Style: 1 1/2 Storey
Lot Size: x 95.01(Feet)
Approximate Age: 100+
Tax: $3,017.91
Maintenance Fee: $0
Beds: 2
Baths: 2
Garage: 0
Fireplace: N
Air Conditioning:
Pool: None
Locatin Map:
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