OK, my issue seems to have been similar to mirdaki.
I followed this: Nextcloud not working after reboot ubuntu
I typed this into my terminal “sudo service apache2 stop” and instantly my Nextcloud came back.
So the question is what has happened during the apt-get update or apt-get upgrade or apt-get dist-upgrade that did something with Apache? Did it install another instance somehow?
I’m pretty new at all this stuff so I’m wondering if I need to remove something from my server? How to prevent this going forward?