For sale · MLS® 1305144
68-70 Carters Hill
St. John's, NL, A1C4C2
List price
$599,900
Seller's direction · offers
No conveyance of offers until
Tuesday, November 10 at 11:00 a.m. NST · open for acceptance until 4:00 p.m. NST
6
days left
Per Seller’s Direction, no conveyance of written signed offers before 11:00am November 10, 2026; offers must remain open until 4:00 PM that day.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1305144
Welcome to this Registered three-unit income property, ideally located in the heart of downtown St. John's, just steps from George Street, The Rooms, the Convention Centre, and the waterfront. Offering an exceptional combination of location, versatility, and income potential, this property presents a rare opportunity to own a turnkey triplex in one of the city's most desirable areas. The property features three self-contained apartments, each offering its own distinct appeal. The upper-level unit features two bedrooms, a spacious living room with electric fireplace, separate dining area, and a well-equipped kitchen. The primary bedroom offers direct access to a private patio with beautiful views of the harbour and Narrows. Adding a unique touch, the living room was also featured as a filming location in the 2013 comedy ""The Grand Seduction"". The ground-floor unit offers a bright and comfortable one-bedroom with additional sleeping accommodations in the living room. A private patio overlooking the harbour provides the perfect place to relax and enjoy the surrounding scenery. The third unit is a welcoming two-bedroom apartment featuring its own in-suite laundry, private access to a fully fenced backyard, and a functional layout with a flexible dining and living area. Situated in a highly walkable downtown neighbourhood, residents and guests can enjoy easy access to restaurants, entertainment, shopping, cultural attractions, and the waterfront. Whether you're an investor looking to expand your portfolio, an owner seeking additional rental income, or someone looking for a multi-generational living arrangement, this property offers tremendous flexibility and opportunity. As a short term rental this property has grossed over $115,000 for 4 of the last 5 years with 2026 being over $135,000. Per Seller’s Direction, no conveyance of written signed offers before 11:00am November 10, 2026; offers must remain open until 4:00 PM that day. (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
| Second level | Bath (# pieces 1-6) Kitchen Living room Bedroom Bedroom | 3 piece 10.5x13.5 · 142 sqft 11.5x19 · 219 sqft 9.5x11.5 · 109 sqft 9.5x18.5 · 176 sqft |
| Main level | Laundry room Bath (# pieces 1-6) Dining room Kitchen Living room Bedroom Bedroom Bath (# pieces 1-6) Not known Not known Not known | 5x7 · 35 sqft 3 piece 7x11 · 77 sqft 6.5x9 · 59 sqft 12x13 · 156 sqft 9.5x10.5 · 100 sqft 9.5x11 · 105 sqft 3 piece 12x7 · 84 sqft 11x9.5 · 105 sqft 11.5x9.5 · 109 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
1.12 ha parcel
Elevation
48 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
$2,644 / year
≈ $220 / 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
105 places shown · 3 routes · OpenStreetMap · OSRM
- 1 min to downtown St. John's0.3 km
- 7 min to Memorial University3.7 km
- 13 min to Avalon Mall10.3 km
Schools 24
Health 1
Groceries 9
Cafés 12
Parks 26
Bus stops 33
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
$429/mo
Est. winter heating (electricity) — about $1,288 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,980 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: $194,672
Closing costs + five years of running costs + 60 mortgage payments on a $599,900 home.
If rates rise 2 points
$34,275 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$2,498
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$119,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,576
- Property taxfrom the feed$2,644
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $31,600
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,148 | $224,498 | needs mortgage insurance (not modelled) |
| 10% | $2,983 | $214,556 | needs mortgage insurance (not modelled) |
| 20% | $2,651 | $194,672 | 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%$2,651/mo
- Today, posted2026-11-04 · 6.19%$3,148/mo
- 5 years ago2021-11-03 · 4.79%$2,747/mo
- 10 years ago2016-11-02 · 4.64%$2,706/mo
At 6.19% — five years ago — the same mortgage would have cost $497 more each month than at today's posted rate.
Principal & interest only: $479,920 (80% of the $599,900 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 90th percentile of active St. John's homes
$303/sqft — city median $192/sqft.
Errand score
walk-time weighted
55
grocery 520 m, school 450 m
Nearest errand: Park (park) — 70 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 · 450 mSt. Bonaventure's College
- Grocery nearby?Yes · 520 mSobeys
- Bus stop?Yes · 120 mTop of Longs Hill
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?RD — RD1.12 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
$2,635/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
$221/mo
Principal & interest $0 + property tax $221 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-749
NOI / month
$-749
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $221 | $2,644 |
| Expenses | $529 | $6,348 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-749 | $-8,988 |
| NOI | $-749 | $-8,988 |
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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