For sale · MLS® 1305089
117 Elizabeth Avenue
St. John's, NL, A1B1R6
List price
$690,000
About this propertyMLS® 1305089
Taken back to the studs and extensively rebuilt, 117 Elizabeth Avenue offers the feel of a brand-new home in the established Churchill Square area, next to Memorial University and the Health Sciences Centre. Fully developed and inspected by the City of St. John’s throughout its redevelopment, this bungalow combines contemporary finishes with mature surroundings and a convenient central location. The bright main floor features soft sage tones, contemporary lighting and custom wood accents. The kitchen offers white cabinetry, contrasting black hardware, floating wood shelves and a peninsula connecting the kitchen and dining spaces. In the living room, illuminated wood-slat shelving and a recessed television niche create an attractive focal point. The bathroom features a freestanding soaker tub, a separate floor-mounted tub filler and a coordinating vanity. The fully developed basement adds flexible living space, including a recreation room with plumbing and electrical connections already installed for a future kitchenette or wet bar. Whether you need room to relax, work from home or pursue your hobbies, the lower level gives you options. The redevelopment extends well beyond the finishes. Improvements include complete replacement of the plumbing and electrical systems, replacement of the main sewer line beneath the concrete slab, R-50 attic insulation, a new air exchanger, new bathroom ventilation fans and a new 60-gallon hot water tank. Exterior wiring has also been installed for a future heat pump, while 20 new pot lights in the eaves enhance the exterior. Outside, the welcoming front deck, attached garage and paved driveway add everyday convenience. The tree-lined rear garden features two generous deck levels, with horizontal privacy screens around the upper deck and a broad lower platform offering plenty of space for outdoor dining and entertaining. Mature trees provide an established setting that complements the home’s fresh interior. (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 | Other Bedroom Office Bedroom Recreation room Laundry room | 12 x 7.09 · 85 sqft B4 15 x 7.09 · 106 sqft 15 x 15.08 · 226 sqft 24.7 x 11.04 · 273 sqft 9 x 13.11 · 118 sqft |
| Main level | Bedroom Bedroom Primary Bedroom Bath (# pieces 1-6) Living room/Dining room Living room | 9 x 10 · 90 sqft 8 x 10 · 80 sqft 13.06 x 13.04 · 170 sqft 5 PCS 26.08 x 12.05 · 314 sqft 15.5 x 14.10 · 219 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
450
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,658 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 380 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 40 |
| 200–300 | 53 |
| 300–400 | 102 |
| 400–500 | 56 |
| 500–750 | 63 |
| 750–1M | 31 |
| 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
42 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 8:00 p.m.
Property tax
$3,736 / year
≈ $311 / 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
96 places shown · 3 routes · OpenStreetMap · OSRM
- 4 min to downtown St. John's2.5 km
- 5 min to Memorial University2.7 km
- 10 min to Avalon Mall8 km
Schools 48
Health 2
Groceries 6
Cafés 8
Parks 26
Bus stops 6
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
$605/mo
Est. winter heating (electricity) — about $1,815 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,790 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: $229,654
Closing costs + five years of running costs + 60 mortgage payments on a $690,000 home.
If rates rise 2 points
$39,423 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$2,858
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$138,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,630
- Property taxfrom the feed$3,736
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $42,330
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,621 | $263,960 | needs mortgage insurance (not modelled) |
| 10% | $3,431 | $252,524 | needs mortgage insurance (not modelled) |
| 20% | $3,049 | $229,654 | 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%$3,049/mo
- Today, posted2026-10-28 · 6.19%$3,621/mo
- 5 years ago2021-11-03 · 4.79%$3,160/mo
- 10 years ago2016-11-02 · 4.64%$3,112/mo
At 6.19% — five years ago — the same mortgage would have cost $572 more each month than at today's posted rate.
Principal & interest only: $552,000 (80% of the $690,000 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 322 active
Priced at the 79th percentile of active St. John's homes
$247/sqft — city median $191/sqft.
Errand score
walk-time weighted
62
grocery 370 m, school 420 m
Nearest errand: Elizabeth PharmaChoice (health centre) — 160 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 · 4 questions
- School within 1 km?Yes · 420 mSchool
- Grocery nearby?Yes · 370 mCircle K
- Bus stop?Yes · 360 mElizabeth Avenue at St. Pat's Mercy Home
- 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
$3,089/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
$312/mo
Principal & interest $0 + property tax $312 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-862
NOI / month
$-862
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $312 | $3,736 |
| Expenses | $551 | $6,612 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-862 | $-10,344 |
| NOI | $-862 | $-10,344 |
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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