For sale · MLS® 1305091
68 Flower Hill
St. John's, NL, A1C4M3
List price
$325,000
Seller's direction · offers
No conveyance of offers until
Wednesday, November 11 at 12:00 p.m. NST
7
days left
No conveyance of offers until 12pm on November 11th.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305091
Welcome to 68 Flower Hill, a unique remodeled (2012) townhouse located just a few minutes' walk from the heart of downtown St. John's. Enjoy effortless access to the city's finest dining, shopping, and entertainment, including George Street, Water Street, and the Mary Brown’s Centre. Fully renovated in 2012, this home offers modern peace of mind and is virtually new by downtown standards—sparing you the maintenance concerns often associated with older heritage properties. The main floor features an inviting front foyer, a dedicated dining area, and a functional kitchen, complemented by a convenient half bath and main-floor laundry. Upstairs, you will find two modest bedrooms, each featuring its own private full ensuite bathroom. The fully developed basement adds a cozy recreation room complete with a wet bar and an additional half bath, making it an ideal setup for entertaining guests or relaxing with your loved one. With no yard or driveway to maintain and year-round on-street permit parking right outside your door, this property offers a low-maintenance, walk-everywhere lifestyle perfectly suited for a busy professional or couple who wants to live, work, and play in the center of the action. Sellers Direction in place. No conveyance of offers until 12pm on November 11th. Any offers presented are to be left open for response until at least 5pm that day. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
| Basement | Bath (# pieces 1-6) Other Family room | 2PC 8'6""x8'2"" 22'7""x14'9"" |
| Second level | Ensuite Bedroom Ensuite Bedroom | 4PC 8'3""x12'6"" 3PC 9'7""x11'4"" |
| Main level | Bath (# pieces 1-6) Kitchen Dining room Foyer | 2PC 11'8""x12'2"" 11'11""x11'6"" 3'9""x5'7"" |
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
0.87 ha parcel
Elevation
42 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
$2,176 / year
≈ $181 / 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
106 places shown · 3 routes · OpenStreetMap · OSRM
- 1 min to downtown St. John's0.3 km
- 7 min to Memorial University3.8 km
- 14 min to Avalon Mall10.4 km
Schools 26
Health 1
Groceries 12
Cafés 9
Parks 23
Bus stops 35
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
$265/mo
Est. winter heating (electricity) — about $795 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,221 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: $113,407
Closing costs + five years of running costs + 60 mortgage payments on a $325,000 home.
If rates rise 2 points
$18,569 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$1,398
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$65,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,590
- Property taxfrom the feed$2,176
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $24,330
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,706 | $129,566 | needs mortgage insurance (not modelled) |
| 10% | $1,616 | $124,180 | needs mortgage insurance (not modelled) |
| 20% | $1,436 | $113,407 | 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%$1,436/mo
- Today, posted2026-11-04 · 6.19%$1,706/mo
- 5 years ago2021-11-03 · 4.79%$1,488/mo
- 10 years ago2016-11-02 · 4.64%$1,466/mo
At 6.19% — five years ago — the same mortgage would have cost $269 more each month than at today's posted rate.
Principal & interest only: $260,000 (80% of the $325,000 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 82nd percentile of active St. John's homes
$266/sqft — city median $192/sqft.
Errand score
walk-time weighted
64
grocery 310 m, school 200 m
Nearest errand: LeMarchant Road - #94 (bus stop) — 130 m, about 2 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 · 200 mSchool
- Grocery nearby?Yes · 310 mCircle K
- Bus stop?Yes · 130 mLeMarchant Road - #94
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?RD — RD0.87 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
$1,489/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
$182/mo
Principal & interest $0 + property tax $182 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-406
NOI / month
$-406
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $182 | $2,176 |
| Expenses | $225 | $2,700 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-406 | $-4,872 |
| NOI | $-406 | $-4,872 |
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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