About this propertyMLS® 1305142
Spacious 3 bedroom home with attached garage located on a quiet cul-de-sac. Has large kitchen area with lots of cabinets, an island and walk-in pantry. Great living room area with patio doors leading to deck with southern exposure. Also has full size open basement for future development, comes with paved driveway and a Seven Year Home Warranty. To be built. (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 | Bedroom Bedroom Bedroom Kitchen Living room/Dining room | 10 x 10.2 · 102 sqft 12 x10 · 120 sqft 14 x 11.8 · 165 sqft 20.8 x11.6 · 241 sqft 19.9 x 13 · 259 sqft |
The neighbourhood
Gander at a glance
Live market stats for Gander — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
47
Median list price
$422k
Price range
$108k – $7.3M
Typical build
1999
Average size
2,141 sqft
Where Gander listings are priced
Every active list price in Gander, grouped into bands.
List price, thousands of $ · 44 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 7 |
| 200–300 | 6 |
| 300–400 | 7 |
| 400–500 | 9 |
| 500–750 | 10 |
| 750–1M | 1 |
| 1M+ | 4 |
How Gander compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
121 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Grand Falls - Windsor · updated 10:00 p.m.
Flood & zoning are mapped for St. John's only
Climate
Jan -3° · Jul 22°
normal daily high · GANDER INT'L A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
2 places shown · OpenStreetMap · OSRM
Parks 2
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
$356/mo
Est. winter heating (electricity) — about $1,067 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,508 sqft. Severity 1.09× St. John's from the GANDER INT'L 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: $168,233
Closing costs + five years of running costs + 60 mortgage payments on a $559,000 home.
If rates rise 2 points
$31,938 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$2,334
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$111,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,134
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,170
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,934 | $196,026 | needs mortgage insurance (not modelled) |
| 10% | $2,779 | $186,761 | needs mortgage insurance (not modelled) |
| 20% | $2,470 | $168,233 | 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. No property tax on record — that line is omitted. 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%$2,470/mo
- Today, posted2026-11-04 · 6.19%$2,933/mo
- 5 years ago2021-11-03 · 4.79%$2,560/mo
- 10 years ago2016-11-02 · 4.64%$2,521/mo
At 6.19% — five years ago — the same mortgage would have cost $463 more each month than at today's posted rate.
Principal & interest only: $447,200 (80% of the $559,000 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 2026-11-04. 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 38 active
Priced at the 97th percentile of active Gander homes
$371/sqft — city median $214/sqft.
Errand score
walk-time weighted
2
park 1.1 km
Nearest errand: Cobbs Pond (park) — 1.1 km, about 13 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 · 3 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?No grocery mapped within 1.5 km
- Bus stop?No bus stop mapped within 800 m
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
$2,250/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
$0/mo
Principal & interest $0 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-699
NOI / month
$-699
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $699 | $8,388 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-699 | $-8,388 |
| NOI | $-699 | $-8,388 |
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
Your details go straight to Haris — never shared, never spammed.











