About this propertyMLS® 1305137
Churchill Square Gem — A Rare Opportunity in One of St. John’s Most Sought-After Neighbourhoods! Homes like this don’t become available very often, making this your opportunity to own in the highly desirable Churchill Square neighbourhood! This well-maintained and lovingly cared-for family home offers a fantastic layout, an incredible backyard backing onto a park, and a location that’s hard to beat. The main floor features a welcoming family room with access to the kitchen, along with a separate living room complete with a fully functioning fireplace that flows into the dining room — perfect for family gatherings and entertaining. Upstairs, you’ll find three comfortable bedrooms and a full bathroom. The very spacious primary bedroom has a sitting area and a walk in closet. The lower level adds even more living space with a rec room, laundry area, full bathroom, and storage. Recent renovations and upgrades include new plumbing, a new roof, front new windows, exterior doors, 3 mini-splits, fireplace improvements and fully painted throughout. With its fantastic backyard, functional layout, and unbeatable location, this is the perfect opportunity to settle into one of St. John’s most coveted neighbourhoods. A wonderful family home that’s been cared for and is ready for its next chapter! Don’t miss your chance to call Churchill Square home! (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
| Lower level | Storage Laundry room Bath (# pieces 1-6) Recreation room | 15x8 · 120 sqft 9x5 · 45 sqft 3 piece 13x12 · 156 sqft |
| Second level | Bedroom Bedroom Bath (# pieces 1-6) Primary Bedroom | 9x8 · 72 sqft 11x9 · 99 sqft 3 piece 23x11 · 253 sqft |
| Main level | Family room Kitchen Dining room Living room/Fireplace | 11x9 · 99 sqft 11x9 · 99 sqft 11x9 · 99 sqft 14x11 · 154 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
454
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,643 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 384 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 54 |
| 300–400 | 104 |
| 400–500 | 57 |
| 500–750 | 64 |
| 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
6.02 ha parcel
Elevation
40 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
$3,800 / year
≈ $317 / 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
106 places shown · 3 routes · OpenStreetMap · OSRM
- 4 min to downtown St. John's2.3 km
- 5 min to Memorial University2.5 km
- 11 min to Avalon Mall8.5 km
Schools 50
Health 2
Groceries 12
Cafés 11
Parks 25
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
$630/mo
Est. winter heating (heating oil) — about $1,891 for January through March.
Estimate — not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 1,881 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: $199,779
Closing costs + five years of running costs + 60 mortgage payments on a $575,000 home.
If rates rise 2 points
$32,852 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$2,398
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$115,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,782
- Property taxfrom the feed$3,800
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $43,410
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,018 | $228,368 | needs mortgage insurance (not modelled) |
| 10% | $2,859 | $218,838 | needs mortgage insurance (not modelled) |
| 20% | $2,541 | $199,779 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-04), 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 rate2026-11-04 · 4.44%$2,541/mo
- Today, posted2026-10-28 · 6.19%$3,017/mo
- 5 years ago2021-11-03 · 4.79%$2,633/mo
- 10 years ago2016-11-02 · 4.64%$2,594/mo
At 6.19% — five years ago — the same mortgage would have cost $476 more each month than at today's posted rate.
Principal & interest only: $460,000 (80% of the $575,000 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 326 active
Priced at the 90th percentile of active St. John's homes
$306/sqft — city median $191/sqft.
Errand score
walk-time weighted
59
grocery 590 m, school 250 m
Nearest errand: Elm Place Park (park) — 80 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 · 250 mRennies River Elementary School
- Grocery nearby?Yes · 590 mMarie's MiniMart / North Atlantic
- Bus stop?Yes · 200 mElizabeth Avenue #147
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R16.02 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
$2,631/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
$317/mo
Principal & interest $0 + property tax $317 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-718
NOI / month
$-718
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $317 | $3,800 |
| Expenses | $402 | $4,824 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-718 | $-8,616 |
| NOI | $-718 | $-8,616 |
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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