For sale · MLS® 1305172
7 Macpherson Avenue
St. John's, NL, A1B2B8
List price
$399,900
Seller's direction · offers
No conveyance of offers until
Monday, November 9 at 5:00 p.m. NST · open for acceptance until 10:00 p.m. NST
5
days left
Per Seller’s Direction, no conveyance of written signed offers before 5pm November 9, 2026; offers must remain open until 10:00 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305172
Some homes simply make you want to stay awhile. With its green exterior, cheerful red shutters and welcoming front porch beneath a mature tree, 7 Macpherson Avenue has unmistakable charm. Picture a quiet morning coffee outside, autumn leaves at your feet, and the comfort of coming home to a place with personality. Inside, natural light pours through the generous living room window, warming beautiful hardwood floors and an inviting layout that brings living, dining and cooking together. A three-sided propane fireplace brings warmth and atmosphere to all three spaces, creating a lovely setting for quiet evenings, shared meals and conversations that linger. The kitchen pairs warm wood cabinetry with stainless steel appliances, ample drawers and a centre island with seating—an easy gathering place while supper comes together. The main-floor bedrooms carry the same restful feel, with soft colours and hardwood floors, while the bathroom adds a fresh, bright touch. Downstairs offers a finished bedroom, rec room area, bathroom with shower and laundry, with the remainder unfinished for storage, hobbies and future possibilities. Outside, the fenced backyard offers room to garden, play and enjoy summer evenings on the rear deck. Established landscaping adds to the sense of a home that has settled comfortably into its surroundings. Conveniently positioned near the Avalon Mall, shopping, restaurants and everyday services, the location also offers easy access to Memorial University and the Health Sciences Centre. Enjoy recreation at Wishingwell Park, walks along Kelly’s Brook Trail, or a change of pace among the gardens and paths of nearby Pippy Park and the Memorial University Botanical Garden. Warmth, character and city convenience—a home to fall for, and a place to make your own. See the interactive tour and picture yourself at home. Per Seller’s Direction, no conveyance of written signed offers before 5pm November 9, 2026; offers must remain open until 10:00 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
| Basement | Laundry room Storage Other Recreation room Bedroom Bath (# pieces 1-6) | 11.8x24.10 · 284 sqft 14.4x16.10 · 232 sqft 7.7x12.9 · 99 sqft 18.10x9.11 · 165 sqft 10.10x11.4 · 115 sqft 5.9x7.8 · 46 sqft |
| Main level | Bedroom Bedroom Bath (# pieces 1-6) Primary Bedroom Foyer Kitchen Dining room Living room/Fireplace | 7.8x10.5 · 82 sqft 10.10x10.5 · 106 sqft 5.1x7.1 · 36 sqft 10.10x11.8 · 119 sqft 3.4x4.4 · 15 sqft 10.5x15 · 158 sqft 10.5x11.3 · 119 sqft 17.3x16.9 · 292 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
454
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,632 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 384 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 54 |
| 300–400 | 103 |
| 400–500 | 55 |
| 500–750 | 67 |
| 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
2.46 ha parcel
Elevation
72 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 2:00 p.m.
Property tax
$2,484 / year
≈ $207 / 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
73 places shown · 3 routes · OpenStreetMap · OSRM
- 6 min to downtown St. John's3.5 km
- 7 min to Memorial University4.1 km
- 13 min to Avalon Mall11 km
Schools 18
Health 7
Groceries 10
Cafés 5
Parks 5
Bus stops 28
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
$500/mo
Est. winter heating (electricity) — about $1,501 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,306 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: $142,168
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$22,848 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$1,698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$79,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,002
- Property taxfrom the feed$2,484
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $32,930
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,099 | $162,051 | needs mortgage insurance (not modelled) |
| 10% | $1,988 | $155,424 | needs mortgage insurance (not modelled) |
| 20% | $1,767 | $142,168 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-05), 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 rate2026-11-05 · 4.44%$1,767/mo
- Today, posted2026-11-04 · 6.19%$2,099/mo
- 5 years ago2021-11-03 · 4.79%$1,831/mo
- 10 years ago2016-11-02 · 4.64%$1,804/mo
At 6.19% — five years ago — the same mortgage would have cost $331 more each month than at today's posted rate.
Principal & interest only: $319,920 (80% of the $399,900 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 36th percentile of active St. John's homes
$173/sqft — city median $192/sqft.
Errand score
walk-time weighted
59
grocery 450 m, school 100 m
Nearest errand: Vinnicombe St - opp #28 (bus stop) — 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 · 100 mSchool
- Grocery nearby?Yes · 450 mCircle K
- Bus stop?Yes · 90 mVinnicombe St - opp #28
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R12.46 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
$1,817/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
$207/mo
Principal & interest $0 + property tax $207 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-500
NOI / month
$-500
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $207 | $2,484 |
| Expenses | $293 | $3,516 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-500 | $-6,000 |
| NOI | $-500 | $-6,000 |
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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