For sale · MLS® 1305079
122 Terra Nova Road
St. John's, NL, A1B1G7
List price
$155,000
Seller's direction · offers
No conveyance of offers until
Thursday, November 12 at 4:00 p.m. NST
10
days left
As per Sellers Directive: No conveyance of offers until 4 PM on November 12th 2026.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305079
A freshly painted and charming one bedroom condo in a secure building and just minutes to shopping, restaurants, schools the parkway. With laundry and storage in suite it makes a great place for some lucky buyer to call home. As per Sellers Directive: No conveyance of offers until 4 PM on November 12th 2026. Any offers to remain open for acceptance until 9 PM that same day (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
| Main level | Laundry room Bath (# pieces 1-6) Primary Bedroom Kitchen Living room Porch | 10X6 · 60 sqft 7.5X5 · 38 sqft 12.5X11.5 · 144 sqft 7.5X7 · 53 sqft 16X11.5 · 184 sqft 5.5X3.5 · 19 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
446
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1976
Average size
3,672 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 376 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 40 |
| 200–300 | 52 |
| 300–400 | 99 |
| 400–500 | 57 |
| 500–750 | 61 |
| 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
0.33 ha parcel
Elevation
85 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 5:00 p.m.
Property tax
$1,151 / year
≈ $96 / month · assessment year 2026
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
92 places shown · 3 routes · OpenStreetMap · OSRM
- 5 min to downtown St. John's3 km
- 7 min to Memorial University4.4 km
- 13 min to Avalon Mall11.3 km
Schools 26
Health 6
Groceries 13
Cafés 4
Parks 7
Bus stops 36
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
$150/mo
Est. winter heating (electricity) — about $449 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 690 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: $59,064
Closing costs + five years of running costs + 60 mortgage payments on a $155,000 home.
If rates rise 2 points
$8,856 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$718
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$31,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$898
- Property taxfrom the feed$1,151
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $15,745
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $813 | $66,770 | needs mortgage insurance (not modelled) |
| 10% | $771 | $64,202 | needs mortgage insurance (not modelled) |
| 20% | $685 | $59,064 | 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%$685/mo
- Today, posted2026-10-28 · 6.19%$813/mo
- 5 years ago2021-11-03 · 4.79%$710/mo
- 10 years ago2016-11-02 · 4.64%$699/mo
At 6.19% — five years ago — the same mortgage would have cost $128 more each month than at today's posted rate.
Principal & interest only: $124,000 (80% of the $155,000 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 2026-10-28. 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 318 active
Priced at the 68th percentile of active St. John's homes
$225/sqft — city median $192/sqft.
Errand score
walk-time weighted
50
grocery 220 m, school 690 m
Nearest errand: Crosbie Road Opposite 110 (bus stop) — 120 m, about 2 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 · 690 mSt Theresa's Elementary School
- Grocery nearby?Yes · 220 mMarie's Mini Mart & Deli
- Bus stop?Yes · 120 mCrosbie Road Opposite 110
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?A1 — Agriculture0.33 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
$1,020/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
$96/mo
Principal & interest $0 + property tax $96 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-193
NOI / month
$-193
Cap rate
-1.49%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $96 | $1,151 |
| Expenses | $98 | $1,176 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-193 | $-2,316 |
| NOI | $-193 | $-2,316 |
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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