For sale · MLS® 1305099
122 Empire Avenue
St. John's, NL, A1C3G3
List price
$359,900
Seller's direction · offers
No conveyance of offers until
Friday, November 6 at 3:00 p.m. NST
3
days left
No conveyance of any written signed offers as per seller's directive until 3PM November 6, to be left open until 8PM 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305099
Welcome to 122 Empire Avenue! Ideally located near MUN, Churchill Park, shopping, and everyday amenities, this spacious six-bedroom home offers excellent potential as a family home or investment property. The bright and inviting main level features a generous living space, while the upper level offers two large bedrooms. The lower level, complete with its own entrance, includes a kitchen area, an additional bathroom, and two more bedrooms, providing great flexibility for extended family or rental potential. In recent years, the home has seen several important exterior upgrades, including new shingles, siding, and windows. Situated on a large lot, this property offers plenty of space and an excellent opportunity in a sought-after location. Whether you’re looking for a spacious family home or an investment close to the university, this property is well worth a look! No conveyance of any written signed offers as per seller's directive until 3PM November 6, to be left open until 8PM 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
View rooms as table
| Basement | Eating area Bedroom Bedroom | 10 x 12.2 · 122 sqft 7.8 x 10.10 · 79 sqft 16.8 x 12.3 · 207 sqft |
| Second level | Bedroom Bedroom | 9.11 x 12.3 · 112 sqft 10 x 12.3 · 123 sqft |
| Main level | Bedroom Primary Bedroom Eat in kitchen Living room | 10 x 7.4 · 74 sqft 10.1 x 10.10 · 102 sqft 11.10 x 10.1 · 112 sqft 14.11 x 12.3 · 174 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
1.42 ha parcel
Elevation
49 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
$1,938 / year
≈ $162 / 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
137 places shown · 3 routes · OpenStreetMap · OSRM
- 3 min to downtown St. John's1.5 km
- 5 min to Memorial University2.3 km
- 11 min to Avalon Mall8.9 km
Schools 61
Health 8
Groceries 10
Cafés 10
Parks 26
Bus stops 22
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
$423/mo
Est. winter heating (electricity) — about $1,268 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,948 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: $126,342
Closing costs + five years of running costs + 60 mortgage payments on a $359,900 home.
If rates rise 2 points
$20,563 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$1,538
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$71,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,536
- Property taxfrom the feed$1,938
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $27,870
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,889 | $144,236 | needs mortgage insurance (not modelled) |
| 10% | $1,789 | $138,271 | needs mortgage insurance (not modelled) |
| 20% | $1,591 | $126,342 | 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%$1,591/mo
- Today, posted2026-10-28 · 6.19%$1,889/mo
- 5 years ago2021-11-03 · 4.79%$1,648/mo
- 10 years ago2016-11-02 · 4.64%$1,623/mo
At 6.19% — five years ago — the same mortgage would have cost $298 more each month than at today's posted rate.
Principal & interest only: $287,920 (80% of the $359,900 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 46th percentile of active St. John's homes
$185/sqft — city median $191/sqft.
Errand score
walk-time weighted
48
grocery 540 m, school 50 m
Nearest errand: Murphy Centre (St. John's) (school) — 50 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 · 50 mMurphy Centre (St. John's)
- Grocery nearby?Yes · 540 mColemans
- Bus stop?Yes · 330 mRodney Street - #2
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R2 — R21.42 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
$162/mo
Principal & interest $0 + property tax $162 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-449
NOI / month
$-449
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $162 | $1,938 |
| Expenses | $288 | $3,456 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-449 | $-5,388 |
| NOI | $-449 | $-5,388 |
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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