For sale · MLS® 1305065
12 Victoria Street
St. John's, NL, A1C3V3
List price
$799,900
About this propertyMLS® 1305065
Built circa 1904 by Sir John Crosbie following the Great Fire of 1892, 12 Victoria Street is a remarkable piece of St. John’s history. Lovingly maintained, this detached home blends original character with thoughtful updates in one of the city’s most beloved neighbourhoods. The main residence offers four bedrooms, one currently used as a dressing room, two bathrooms, including a European-style bath, and an office with built-in bookcases. The third floor features a living room, dining room, updated kitchen with glass doors and an exposed brick chimney, and a bathroom. Three patios provide inviting spaces to relax and enjoy breathtaking harbour views. Equally charming, the self-contained one-bedroom apartment features its own interior entrance and a private patio overlooking the harbour. Full of character and practical updates, it offers flexibility as an income-producing rental, business office, Airbnb, or space for extended family. Currently vacant for the first time, it is ready for its next chapter. With just over 3,500 square feet of living space, four working fireplaces, hot-water radiant heat, a mini-split heat pump in the apartment, two air-conditioning systems, and a separate driveway, this property offers exceptional comfort and versatility. A full list of features and upgrades is available. Beautifully maintained and move-in ready, 12 Victoria Street delivers historic charm, stunning views, and an unmistakable “WOW” factor! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
View rooms as table
| Basement | Storage Utility room Utility room Storage | 8.2 x 13.7 · 112 sqft 14.1 x 4.2 · 59 sqft 5.7 x 7.1 · 40 sqft 25.3 x 10.3 · 261 sqft |
| Third level | Bedroom Bath (# pieces 1-6) Kitchen Dining room Living room/Fireplace | 9.6 x 11.3 · 108 sqft 3.2 x 7.6.5 11.0 x 9.7 · 107 sqft 13.1 x 13.9 · 182 sqft 15.9 x 12.3 · 196 sqft |
| Second level | Office Bath (# pieces 1-6) Laundry room Bedroom Primary Bedroom | 9.6 x 11.1 · 107 sqft 8.7 x 10.4 · 90 sqft 3.9 x 6.5 · 25 sqft 12.2 x 13.8 · 168 sqft 16.2 x 12.3 · 199 sqft |
| Main level | Foyer Bath (# pieces 1-6) Not known Not known Not known Porch | 9.7 x 5.5 · 53 sqft 5.5 x 6.7 · 37 sqft 13.4 x 10.5 · 141 sqft 12.3 x 13.7 · 169 sqft 14.1x 15 · 212 sqft 4.2 x 5.3 · 22 sqft |
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
449
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1976
Average size
3,670 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 379 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 53 |
| 300–400 | 101 |
| 400–500 | 57 |
| 500–750 | 62 |
| 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
Zoning
0.32 ha parcel
Elevation
25 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
$4,647 / year
≈ $387 / 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
102 places shown · 3 routes · OpenStreetMap · OSRM
- 2 min to downtown St. John's0.9 km
- 7 min to Memorial University3.9 km
- 12 min to Avalon Mall9.6 km
Schools 19
Health 1
Groceries 9
Cafés 12
Parks 29
Bus stops 32
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
$306/mo
Est. winter heating (heat pump electricity) — about $917 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,522 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: $254,811
Closing costs + five years of running costs + 60 mortgage payments on a $799,900 home.
If rates rise 2 points
$45,702 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$3,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$159,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,834
- Property taxfrom the feed$4,647
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $37,905
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $4,198 | $294,581 | needs mortgage insurance (not modelled) |
| 10% | $3,977 | $281,324 | needs mortgage insurance (not modelled) |
| 20% | $3,535 | $254,811 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-02), 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 rate2026-11-02 · 4.44%$3,535/mo
- Today, posted2026-10-28 · 6.19%$4,198/mo
- 5 years ago2021-11-03 · 4.79%$3,663/mo
- 10 years ago2016-11-02 · 4.64%$3,608/mo
At 6.19% — five years ago — the same mortgage would have cost $663 more each month than at today's posted rate.
Principal & interest only: $639,920 (80% of the $799,900 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 320 active
Priced at the 69th percentile of active St. John's homes
$227/sqft — city median $192/sqft.
Errand score
walk-time weighted
69
grocery 110 m, school 70 m
Nearest errand: Anna Templeton Centre (school) — 70 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 · 5 questions
- School within 1 km?Yes · 70 mAnna Templeton Centre
- Grocery nearby?Yes · 110 mSo Kee Grocery
- Bus stop?Yes · 120 mWater Street at Fortis Buiilding
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?RD — RD0.32 ha parcel
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
$3,607/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
$388/mo
Principal & interest $0 + property tax $388 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-999
NOI / month
$-999
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $388 | $4,647 |
| Expenses | $612 | $7,344 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-999 | $-11,988 |
| NOI | $-999 | $-11,988 |
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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