For sale · MLS® 1305126
91 Larkhall Street Unit#A412
St. John's, NL, A1B2C5
List price
$169,900
About this propertyMLS® 1305126
Affordable, Convenient Living in the Heart of St. John’s! Whether you're a first-time buyer, down-sizer, or investor, this well-located 2-bedroom, 1-bathroom condo offers an excellent opportunity to enjoy affordable homeownership in a convenient area of St. John’s. Inside, you'll find a comfortable and functional layout featuring a spacious living room, dedicated dining area, and practical kitchen with ample cabinetry. Both bedrooms offer comfortable living space, while the full bathroom completes the unit. Warm flooring and neutral tones throughout create an inviting atmosphere with plenty of opportunity to make the space your own. Location is a standout feature! Situated just minutes from Memorial University (MUN), the Health Sciences Centre, Avalon Mall, and a wide variety of shopping, restaurants, and everyday amenities, this property offers exceptional convenience for students, healthcare professionals, and anyone looking to be close to everything the city has to offer. With its desirable central location, practical layout, and affordable living potential, this property is a fantastic opportunity for those looking to enter the real estate market, simplify their lifestyle, or add to their investment portfolio. Don't miss your chance to make this one yours! (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 | Bath (# pieces 1-6) Bedroom Primary Bedroom Living room Eat in kitchen | 4 pcs 10.00 x 8.05 · 81 sqft 13.00 x 11.50 · 150 sqft 11.05 x 10.00 · 111 sqft 18.05 x 10.05 · 181 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
0.51 ha parcel
Elevation
82 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
$1,411 / year
≈ $118 / 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
89 places shown · 3 routes · OpenStreetMap · OSRM
- 7 min to downtown St. John's4.1 km
- 7 min to Memorial University3.6 km
- 13 min to Avalon Mall10.5 km
Schools 35
Health 7
Groceries 9
Cafés 6
Parks 7
Bus stops 25
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
$134/mo
Est. winter heating (electricity) — about $403 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 620 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: $63,915
Closing costs + five years of running costs + 60 mortgage payments on a $169,900 home.
If rates rise 2 points
$9,707 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$778
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$33,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$806
- Property taxfrom the feed$1,411
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,585
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $892 | $72,362 | needs mortgage insurance (not modelled) |
| 10% | $845 | $69,546 | needs mortgage insurance (not modelled) |
| 20% | $751 | $63,915 | 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%$751/mo
- Today, posted2026-11-04 · 6.19%$892/mo
- 5 years ago2021-11-03 · 4.79%$778/mo
- 10 years ago2016-11-02 · 4.64%$766/mo
At 6.19% — five years ago — the same mortgage would have cost $141 more each month than at today's posted rate.
Principal & interest only: $135,920 (80% of the $169,900 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 2026-11-04. 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 85th percentile of active St. John's homes
$274/sqft — city median $192/sqft.
Errand score
walk-time weighted
44
grocery 820 m, school 590 m
Nearest errand: Park (park) — 220 m, about 3 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 · 590 mSt. Andrew's Elementary (St. John's)
- Grocery nearby?Yes · 820 mJust Goody Mart
- Bus stop?Yes · 240 mBaird Pl opposite Canadian Blood Services
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?AA — AA0.51 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
$1,131/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
$118/mo
Principal & interest $0 + property tax $118 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-212
NOI / month
$-212
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $118 | $1,411 |
| Expenses | $95 | $1,140 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-212 | $-2,544 |
| NOI | $-212 | $-2,544 |
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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