For sale · MLS® 1305084
84 Canada Drive
St. John's, NL, A1E2M5
List price
$349,900
About this propertyMLS® 1305084
This 4 bedroom, 1.5 bath home in Cowan Heights offers over 2,400 sq ft of space at a price that’s hard to find. The main level features a bright, spacious living room with hardwood floors and large windows that fill the space with natural light. The dining room leads into an eat-in kitchen with plenty of cabinet and counter space, and a convenient half bath rounds out this level. All four bedrooms are on the second level, each with a generous closet. The walkout basement adds a rec room, laundry, and extra storage areas ready for your vision. The home has seen several updates in recent years, including a 200 amp breaker panel, laminate flooring upstairs, an updated bathroom, and modern touches throughout. Outside, enjoy a new front porch, a new back deck, and a large wired shed in a private backyard that backs onto green space behind St. Matthew’s School. Close to everything without sacrificing space inside or out, this home blends room to grow with character and a cozy feel. (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 Recreation room | 12.4x10.9 · 135 sqft 18.6x11.10 · 206 sqft 30.10x13.0 · 391 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Bedroom Primary Bedroom | 9.9x4.7 · 47 sqft 10.5x11.7 · 123 sqft 10.9x9.7 · 106 sqft 9.8x12.11 · 119 sqft 14.0x11.7 · 164 sqft |
| Main level | Bath (# pieces 1-6) Foyer Kitchen Dining room Living room | 5.0x5.3 · 27 sqft 7.8x4.0 · 31 sqft 16.5x11.1 · 183 sqft 9.1x11.5 · 105 sqft 20.6x13.5 · 278 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
Zoning
0.57 ha parcel
Elevation
106 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 6:00 p.m.
Property tax
$2,420 / year
≈ $202 / 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
57 places shown · 3 routes · OpenStreetMap · OSRM
- 8 min to downtown St. John's5.2 km
- 11 min to Memorial University7.5 km
- 17 min to Avalon Mall14.5 km
Schools 14
Health 3
Groceries 10
Cafés 4
Parks 6
Bus stops 20
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
$530/mo
Est. winter heating (electricity) — about $1,589 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,442 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: $129,270
Closing costs + five years of running costs + 60 mortgage payments on a $349,900 home.
If rates rise 2 points
$19,991 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$1,498
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$69,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,178
- Property taxfrom the feed$2,420
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $33,490
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,836 | $146,667 | needs mortgage insurance (not modelled) |
| 10% | $1,740 | $140,868 | needs mortgage insurance (not modelled) |
| 20% | $1,546 | $129,270 | 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%$1,546/mo
- Today, posted2026-10-28 · 6.19%$1,836/mo
- 5 years ago2021-11-03 · 4.79%$1,602/mo
- 10 years ago2016-11-02 · 4.64%$1,578/mo
At 6.19% — five years ago — the same mortgage would have cost $290 more each month than at today's posted rate.
Principal & interest only: $279,920 (80% of the $349,900 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 322 active
Priced at the 16th percentile of active St. John's homes
$143/sqft — city median $191/sqft.
Errand score
walk-time weighted
54
grocery 480 m, school 160 m
Nearest errand: St. Matthews Elementary (school) — 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 · 5 questions
- School within 1 km?Yes · 160 mSt. Matthews Elementary
- Grocery nearby?Yes · 480 mSobeys
- Bus stop?Yes · 250 mFrecker Drive at Creston Place
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R10.57 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
$1,610/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
$202/mo
Principal & interest $0 + property tax $202 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-437
NOI / month
$-437
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $202 | $2,420 |
| Expenses | $236 | $2,832 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-437 | $-5,244 |
| NOI | $-437 | $-5,244 |
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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