About this propertyMLS® 1305045
A HOME THAT PACKS A PUNCH ON A MASSIVE LOT! This three bedroom home is nestled on exquisite grounds, landscaped with green house, storage shed, numerous mature trees including apple, maple, lyloc, rose and perennial gardens! This property has been tastefully renovated through the years, with the main floor having kitchen, dining room, living room, family room and a renovated bathroom. Family room has direct access to multi tiered deck(covered) at the rear overlooking the property. Upstairs features three bedrooms and additional full bath recently renovated. Furthermore there is a basement partially developed which house the laundry room, multiple storage rooms and a den area, which has the potential to be a fourth bedroom! The property is heated by three heat pumps, one on each floor and does have a secondary heat source of hot water radiation! (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 | Storage Storage Laundry room Recreation room | 11.8X22.10 · 261 sqft 6.9X7.1 · 49 sqft 11.4X19 · 217 sqft 10.1X14.5 · 146 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom | 4.5X4.11 · 18 sqft 9.8X10 · 98 sqft 8.10X12.7 · 103 sqft 11.3X12.7 · 144 sqft |
| Main level | Bath (# pieces 1-6) Family room Kitchen Dining room Living room | 5.3X7.7 · 41 sqft 11.11X17.10 · 190 sqft 9.11X11.3 · 103 sqft 7.2X11 · 79 sqft 11.3X18.9 · 214 sqft |
The neighbourhood
Grand Falls-Windsor at a glance
Live market stats for Grand Falls-Windsor — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
76
Median list price
$259k
Price range
$27k – $1.5M
Typical build
1980
Average size
2,450 sqft
Where Grand Falls-Windsor listings are priced
Every active list price in Grand Falls-Windsor, grouped into bands.
List price, thousands of $ · 69 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 26 |
| 200–300 | 12 |
| 300–400 | 7 |
| 400–500 | 11 |
| 500–750 | 8 |
| 750–1M | 2 |
| 1M+ | 3 |
How Grand Falls-Windsor compares
Median list price against the next biggest markets — click a row for that area guide.
Grand Falls-Windsornearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
Explore Grand Falls-Windsor on Walk ScoreThe essentials
Location, air, flood & taxes
Elevation
111 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
Property tax
$2,244 / year
≈ $187 / month · assessment year 2026
Climate
Jan -3° · Jul 23°
normal daily high · WOODDALE BISHOP'S FALLS station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
15 places shown · OpenStreetMap · OSRM
Schools 9
Health 1
Groceries 3
Cafés 1
Parks 1
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
$878/mo
Est. winter heating (heating oil) — about $2,633 for January through March.
Estimate — not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,454 sqft. Severity 1.07× St. John's from the WOODDALE BISHOP'S FALLS 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: $143,971
Closing costs + five years of running costs + 60 mortgage payments on a $369,000 home.
If rates rise 2 points
$21,083 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$1,574
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$73,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$5,266
- Property taxfrom the feed$2,244
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $43,050
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,937 | $162,317 | needs mortgage insurance (not modelled) |
| 10% | $1,835 | $156,202 | needs mortgage insurance (not modelled) |
| 20% | $1,631 | $143,971 | 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%$1,631/mo
- Today, posted2026-11-04 · 6.19%$1,936/mo
- 5 years ago2021-11-03 · 4.79%$1,690/mo
- 10 years ago2016-11-02 · 4.64%$1,664/mo
At 6.19% — five years ago — the same mortgage would have cost $306 more each month than at today's posted rate.
Principal & interest only: $295,200 (80% of the $369,000 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 60 active
Priced at the 48th percentile of active Grand Falls-Windsor homes
$150/sqft — city median $158/sqft.
Errand score
walk-time weighted
25
grocery 1.2 km, school 1.1 km
Nearest errand: Lind Park (park) — 600 m, about 8 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?Yes · 1.2 kmDominion
- 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
$1,672/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
$187/mo
Principal & interest $0 + property tax $187 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-462
NOI / month
$-462
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $187 | $2,244 |
| Expenses | $275 | $3,300 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-462 | $-5,544 |
| NOI | $-462 | $-5,544 |
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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