For sale · MLS® 1304984
13 Lancaster Street
St. John's, NL, A1A5P8
List price
$480,000
About this propertyMLS® 1304984
Welcome to 13 Lancaster Street, ideally located in the sought-after neighbourhood of Airport Heights! This spacious and well appointed five bedroom home offers plenty of room for the entire family, featuring a functional layout with three bedrooms on the main level and two additional bedrooms downstairs. With three full bathrooms, including a private ensuite off the primary bedroom, comfort and convenience are well covered. The home offers a large eat-in kitchen, a welcoming living room and a spacious lower level recreation room featuring a cozy propane fireplace. Additional lower level features include a generous mudroom and a dedicated office space, providing excellent flexibility for today’s family lifestyle. Sitting on an oversized lot, the property offers exceptional outdoor space, complete with two driveways and a storage shed. Whether you enjoy gardening, entertaining, relaxing in the backyard or gathering around the fire, there is plenty of room to make the most of outdoor living. If you’re looking for space, flexibility and a great location, 13 Lancaster Street is a must see! (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 Office Bedroom Bath (# pieces 1-6) Bedroom Family room/Fireplace | 26.9 x 13.5 · 363 sqft 11.3 x 7.9 · 89 sqft 11.4 x 12.5 · 143 sqft 10.6 x 11.4 · 121 sqft 11.10 x 11.4 · 127 sqft 15.8 x 12.10 · 191 sqft |
| Main level | Ensuite Primary Bedroom Bath (# pieces 1-6) Bedroom Bedroom Living room Dining nook Kitchen Foyer | 4PC 13.8 x 11.6 · 160 sqft 4PC 10.2 x 9.10 · 93 sqft 10.2 x 10.7 · 109 sqft 12 x 13.1 · 157 sqft 10.9 x 10.2 · 111 sqft 12.9 x 15.3 · 197 sqft 7.7 x 13.3 · 102 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
456
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,628 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 385 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 55 |
| 300–400 | 103 |
| 400–500 | 56 |
| 500–750 | 66 |
| 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
3.41 ha parcel
Elevation
155 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:00 p.m.
Property tax
$3,499 / year
≈ $292 / month · assessment year 2026
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
30 places shown · 3 routes · OpenStreetMap · OSRM
- 9 min to downtown St. John's6.4 km
- 6 min to Memorial University4.2 km
- 6 min to Avalon Mall5.2 km
Schools 10
Groceries 4
Cafés 1
Parks 4
Bus stops 11
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
$537/mo
Est. winter heating (electricity) — about $1,611 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,475 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: $169,903
Closing costs + five years of running costs + 60 mortgage payments on a $480,000 home.
If rates rise 2 points
$27,425 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$2,018
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$96,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,222
- Property taxfrom the feed$3,499
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $39,105
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,519 | $193,768 | needs mortgage insurance (not modelled) |
| 10% | $2,387 | $185,813 | needs mortgage insurance (not modelled) |
| 20% | $2,121 | $169,903 | 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%$2,121/mo
- Today, posted2026-11-04 · 6.19%$2,519/mo
- 5 years ago2021-11-03 · 4.79%$2,198/mo
- 10 years ago2016-11-02 · 4.64%$2,165/mo
At 6.19% — five years ago — the same mortgage would have cost $398 more each month than at today's posted rate.
Principal & interest only: $384,000 (80% of the $480,000 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 327 active
Priced at the 51st percentile of active St. John's homes
$194/sqft — city median $192/sqft.
Errand score
walk-time weighted
40
grocery 380 m, school 880 m
Nearest errand: Park (park) — 90 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 · 880 mSchool
- Grocery nearby?Yes · 380 mMarie's Mini Mart
- Bus stop?Yes · 200 mBranscombe Street - #6
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R13.41 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
$2,224/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
$292/mo
Principal & interest $0 + property tax $292 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-599
NOI / month
$-599
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $292 | $3,499 |
| Expenses | $308 | $3,696 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-599 | $-7,188 |
| NOI | $-599 | $-7,188 |
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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