2 & 2A Willcotts Lane
St. Alban's, NL, A0H2E0
List price
$290,000
About this propertyMLS® 1304625
TWO HOMES & ONE INCREDIBLE OCEANFRONT OPPORTUNITY IN THE HEART OF ST.ALBANS! The first home features 2 bedrooms and 1 bathroom, with a comfortable layout, inviting living spaces and plenty of potential to make it your own with an open basement. 2 newly installed heat pumps, electric heat and a new wood furnace (2025) and 200 AMP electrical panel. ALSO Included is a storage/wood shed. Alongside it, you’ll find the second property on a large lot, offering 2 bedrooms and 1.5 bathrooms, heated by electric heat, wood furnace and newly installed heat pumps (2) and 200 AMP electrical panel. Outside there are TWO storage/utility sheds adding even more space, flexibility, and possibilities wether you want an investment opportunity, space for extended family, or simply a property with room to explore your vision, this unique package deserves your attention.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
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
| Basement | Other | 36.11X24.1 · 870 sqft |
| Main level | Primary Bedroom Bath (# pieces 1-6) Bath (# pieces 1-6) Kitchen Dining room Living room | 19.11X12.11 · 231 sqft 12X10 · 120 sqft 8.4X4.11 · 35 sqft 8.1X7.10 · 58 sqft 12X4.11 · 49 sqft 10.5X9.7 · 102 sqft |
St. Alban's at a glance
Live market stats for St. Alban's: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
4
Median list price
$320k
Price range
$95k – $549k
Typical build
1988
Average size
3,324 sqft
Where St. Alban's listings are priced
Every active list price in St. Alban's, grouped into bands.
List price, thousands of $ · 4 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 1 |
| 200–300 | 1 |
| 300–400 | 1 |
| 500–750 | 1 |
How St. Alban's compares
Median list price against the next biggest markets. Click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
42 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Burin · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$600 / year
≈ $50 / month
Climate
Jan -1° · Aug 22°
normal daily high · BAY D'ESPOIR GEN STN 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: $96,401
Closing costs + five years of running costs + 60 mortgage payments on a $290,000 home.
If rates rise 2 points
$16,885 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$1,258
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$58,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,012
- Property taxfrom the feed$600
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $13,560
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,585 | $111,416 | needs mortgage insurance (not modelled) |
| 10% | $1,502 | $106,411 | needs mortgage insurance (not modelled) |
| 20% | $1,335 | $96,401 | 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.
Winter warmer
Jan–Mar · estimate
$169/mo
Est. winter heating (heat pump electricity): about $506 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,964 sqft. Severity 0.99× St. John's from the BAY D'ESPOIR GEN STN 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%$1,335/mo
- Today, posted2026-11-04 · 6.19%$1,522/mo
- 5 years ago2021-11-03 · 4.79%$1,328/mo
- 10 years ago2016-11-02 · 4.64%$1,308/mo
At 6.19%, five years ago, the same mortgage would have cost $187 more each month than at today's posted rate.
Principal & interest only: $232,000 (80% of the $290,000 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
$1,273/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$50/mo
Principal & interest $0 + property tax $50 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-363
NOI / month
$-363
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $50 | $600 |
| Expenses | $313 | $3,756 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-363 | $-4,356 |
| NOI | $-363 | $-4,356 |
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