13 Circular Road
Grand Falls-Windsor, NL, A2A1A5
List price
$174,900
About this propertyMLS® 1304359
Listed for sale is this beautiful two story home! Outside has been completed with vinyl windows, siding and new shingles within the past 3 years. Inside the main floor offers a front porch, living room, large eat-in kitchen back porch and 3/4 bathroom with Laundry. Second floor contains three bedrooms and a full bathroom. Home is heated by oil hot water radiators; new 200 amp electric service has been installed. Included in the sale are the fridge, stove, washer and dryer. Don’t miss out on this opportunity to own this beautiful home.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
View rooms as table
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom | 8 x 10 · 80 sqft 10 x 11 · 110 sqft 10 x 9.6 · 96 sqft 16.7 x 11 · 184 sqft |
| Main level | Bath (# pieces 1-6) Porch Foyer Eat in kitchen Living room | 10 x 16.6 · 166 sqft 6 x 12.6 · 76 sqft 7.6 x 6 · 46 sqft 21 x 11 · 231 sqft 12 x 17 · 204 sqft |
Grand Falls-Windsor at a glance
Live market stats for Grand Falls-Windsor: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
73
Median list price
$269k
Price range
$31k – $1.5M
Typical build
1979
Average size
2,484 sqft
Where Grand Falls-Windsor listings are priced
Every active list price in Grand Falls-Windsor, grouped into bands.
List price, thousands of $ · 66 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 24 |
| 200–300 | 13 |
| 300–400 | 4 |
| 400–500 | 11 |
| 500–750 | 9 |
| 750–1M | 2 |
| 1M+ | 3 |
How Grand Falls-Windsor compares
Median list price against the next biggest markets. Click a row for that area guide.
Grand Falls-Windsornearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
71 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 1 · Low risk · Grand Falls - Windsor · updated 9:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,307 / year
≈ $109 / month
Climate
Jan -3° · Jul 23°
normal daily high · WOODDALE BISHOP'S FALLS station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet. Dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet. OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
Nothing mapped within 1.5 km of this address.
What this home really costs
Winter heat, five years of ownership, how this price sits against the market, and what the map says is within walking distance: every figure captioned with its assumptions.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $80,441
Closing costs + five years of running costs + 60 mortgage payments on a $174,900 home.
If rates rise 2 points
$10,183 more over five years if the rate is 6.84% instead of 4.84% (P&I only).
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$798
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$34,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,562
- Property taxfrom the feed$1,307
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $29,845
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $956 | $89,497 | needs mortgage insurance (not modelled) |
| 10% | $906 | $86,478 | needs mortgage insurance (not modelled) |
| 20% | $805 | $80,441 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 25-year amortization, P&I only. Land transfer fee: Registry of Deeds schedule ($100 + $0.40/$100 over $500, cap $5,000). Legal $1,500 and insurance $1,100/yr (NL range $700–$1,500) are estimates. Heating is 2× the Jan–Mar winter estimate. 5-year all-in = closing costs + 5 years of running costs + 60 mortgage payments; it excludes CMHC insurance (needed below 20% down), utilities other than heat, and maintenance.
Price ghosts
$/sqft vs 58 active
Priced at the 19th percentile of active Grand Falls-Windsor homes
$105/sqft, city median $154/sqft.
Winter warmer
Jan–Mar · estimate
$594/mo
Est. winter heating (heating oil): about $1,781 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 1,660 sqft. Severity 1.07× St. John's from the WOODDALE BISHOP'S FALLS station 1981–2010 normal. Jan–Mar only; excludes HST, hot water, cooking and any cooling.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$805/mo
- Today, posted2026-11-04 · 6.19%$918/mo
- 5 years ago2021-11-03 · 4.79%$801/mo
- 10 years ago2016-11-02 · 4.64%$789/mo
At 6.19%, five years ago, the same mortgage would have cost $113 more each month than at today's posted rate.
Principal & interest only: $139,920 (80% of the $174,900 asking price, 20% down), 25-year amortization. No taxes, insurance, fees, or mortgage insurance. Today's rate is the Bank of Canada conventional 5-year rate observed 2026-11-04. The 5- and 10-year rows are two documented observations of that same series (2021-11-03 = 4.79%, 2016-11-02 = 4.64%, retrieved 2026-11-01 from bankofcanada.ca/valet), fixed reference points, not a modelled path between them. Estimate, not an offer of credit; your lender's rate will differ.
Monthly carrying cost
$846/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$109/mo
Principal & interest $0 + property tax $109 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-218
NOI / month
$-218
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $109 | $1,307 |
| Expenses | $110 | $1,320 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-218 | $-2,616 |
| NOI | $-218 | $-2,616 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
Buying, selling, or just curious about what your home is worth — no call centres, no runaround.
- Call or text416-873-4676
- Emailharis@barki.co
- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty