For sale · MLS® 1305014
3 Barnes Place
St. John's, NL, A1C5G9
List price
$399,900
Seller's direction · offers
No conveyance of offers until
Monday, November 9 at 12:00 p.m. NST · open for acceptance until 5:00 p.m. NST
6
days left
No conveyance of offers until Monday, November 9th @ noon and left open for acceptance until 5:00pm the same day.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1305014
Nestled on a quiet side street in the sought-after neighbourhood of Georgestown, this charming, fully detached character home offers a wonderful blend of classic charm, thoughtful upgrades, and modern-day functionality. Lovingly maintained by its long-time owner, the property features a spacious, fully fenced rear yard with and a welcoming interior that is equally suited to everyday living and entertaining. The main level boasts an inviting open-concept layout, seamlessly connecting the living room, dining area, and kitchen, complete with dishwasher. Designed with both comfort and functionality in mind, this bright and versatile space also offers direct access to the private rear yard with storage shed, creating an ideal setting for indoor-outdoor living. Convenient main level laundry closet complete the main level. A beautiful character staircase leads to the second level, featuring two bedrooms (one currently utilized as a dressing room) and a full bathroom. The upper level offers additional living space with a bright, spacious loft-style den or home office, along with the primary bedroom complete with its own ensuite bathroom. Numerous improvements provide added comfort and peace of mind, including an energy-efficient mini-split heat pump offering both heating and cooling (2025), a new torched on roof (2025), and vinyl windows (2018). The home also benefits from reasonable Newfoundland Power costs, averaging approximately $280 per month. Combining character, functionality, modern updates, and an excellent location, this delightful Georgestown property presents a unique opportunity to enjoy comfortable living in one of the St. John's trendiest neighbourhoods. No conveyance of offers until Monday, November 9th @ noon and left open for acceptance until 5:00pm the same day. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
| Third level | Ensuite Den Primary Bedroom | 3 PC 17'6"" X 9'7"" 14'7"" X 11'5"" |
| Main level | Foyer Living room Eat in kitchen | 5'9"" X 7'7"" 11'3"" X 10'1"" 17'0"" X 11'4"" |
| Second level | Bedroom Bedroom Bath (# pieces 1-6) | 12'0"" X 8'7"" 12'0"" X 12'6"" 3 PC |
The neighbourhood
St. John's at a glance
Live market stats for St. John's — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
452
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,652 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 382 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 40 |
| 200–300 | 52 |
| 300–400 | 103 |
| 400–500 | 57 |
| 500–750 | 63 |
| 750–1M | 32 |
| 1M+ | 35 |
How St. John's compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
60 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:00 p.m.
Property tax
$2,849 / year
≈ $237 / month
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
113 places shown · 3 routes · OpenStreetMap · OSRM
- 3 min to downtown St. John's1.1 km
- 7 min to Memorial University3.6 km
- 12 min to Avalon Mall9.5 km
Schools 23
Health 2
Groceries 11
Cafés 13
Parks 30
Bus stops 34
Cost & context
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.
Winter warmer
Jan–Mar · estimate
$98/mo
Est. winter heating (heat pump electricity) — about $293 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,125 sqft. Severity 1.00× St. John's from the ST JOHN'S A station 1981–2010 normal. Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $131,913
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$22,848 more over five years if the rate is 6.44% instead of 4.44% — P&I only.
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$1,698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$79,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$586
- Property taxfrom the feed$2,849
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $22,675
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,099 | $151,796 | needs mortgage insurance (not modelled) |
| 10% | $1,988 | $145,169 | needs mortgage insurance (not modelled) |
| 20% | $1,767 | $131,913 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-03), 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.
Rate time machine
same house · same down payment
Same house, same down payment — your payment today at 4.44%best market rate · posted was 6.19%
- Today, best market rate2026-11-03 · 4.44%$1,767/mo
- Today, posted2026-10-28 · 6.19%$2,099/mo
- 5 years ago2021-11-03 · 4.79%$1,831/mo
- 10 years ago2016-11-02 · 4.64%$1,804/mo
At 6.19% — five years ago — the same mortgage would have cost $331 more each month than at today's posted rate.
Principal & interest only: $319,920 (80% of the $399,900 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 2026-10-28. 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.
Price ghosts
$/sqft vs 324 active
Priced at the 94th percentile of active St. John's homes
$355/sqft — city median $192/sqft.
Errand score
walk-time weighted
57
grocery 380 m, school 210 m
Nearest errand: Military Road at Basilica (bus stop) — 80 m, about 1 min on foot.
Walk-time-weighted from OpenStreetMap + ODEF school data; straight-line distance at 4.8 km/h. Weights: grocery 1.0, school 0.9, health 0.8, park 0.4, café 0.35, bus 0.3 — nearest place per category only. Half-value every 6 minutes of walking; nothing scores past a 15-minute walk. 100 = every category at the door. This is a mapping of what's drawn on the map, not a survey of what exists.
Ask this listing
open data · 4 questions
- School within 1 km?Yes · 210 mSt. Bonaventure's College
- Grocery nearby?Yes · 380 mSo Kee Grocery
- Bus stop?Yes · 80 mMilitary Road at Basilica
- In the 100-year floodplain?No — outside itCity of St. John's flood map
From OpenStreetMap + ODEF schools (straight-line distance) and the City of St. John's flood & zoning maps. Flood and zoning are mapped for St. John's only; elsewhere those questions don't appear because we don't know the answer.
Monthly carrying cost
$1,847/mo
Plan ahead
Calculators
Estimate payments and returns before you make an offer — all in one place.
Plan ahead
Mortgage & investment calculator
Estimated monthly payment
$238/mo
Principal & interest $0 + property tax $238 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-499
NOI / month
$-499
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $238 | $2,849 |
| Expenses | $262 | $3,144 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-499 | $-5,988 |
| NOI | $-499 | $-5,988 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Get in touch
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
A real person, every time
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
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