So, by “directly overhead”, it turns out I wasn’t exaggerating: the apartment building down the street was directly hit by lightning, according to a neighbour.

This is the building in question: https://cbmackay.ca/2019/10/14/van-and-apartments-digital-painting/ 

 @3409b63c Yikes! I hope no one was hurt 

 @141c21a0 their fire (or security?) alarm was apparently triggered, but that’s it.