For sale · MLS® 1305154
84 Cowan Avenue
St. John's, NL, A1E3P2
List price
$335,000
About this propertyMLS® 1305154
No Seller's Direction and priced to sell! Welcome to this charming 4-bedroom, 1-bathroom home offering the ideal balance of classic character, turnkey convenience, and complete peace of mind. Over the past six years, the property has undergone extensive improvements, taking care of all the major maintenance items before you even step inside. The home features fresh siding, eavestroughs, energy-efficient windows throughout, and updated electrical service designed to easily handle modern household demands. The interior includes a beautifully upgraded, contemporary bathroom that serves the four spacious bedrooms. The heart of the main living area features a cozy wood-burning fireplace for efficient heating on chilly evenings. A functional 11x26 built-in garage offers excellent vehicle shelter and additional storage. Situated in a highly convenient central neighborhood, this property puts community amenities right at your doorstep. Families will appreciate being within quick reach of local schools and neighborhood parks, while outdoor enthusiasts will love spending weekends exploring the walking trails of historic Bowring Park. With shopping, dining, and daily services just minutes away at the Village Mall, this move-in-ready home provides exceptional value for first-time buyers and growing families alike. (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 Bedroom Den | 9 x 8.5 · 77 sqft 10 x 9.5 · 95 sqft 26 x 14.5 · 377 sqft |
| Main level | Bath (# pieces 1-6) Primary Bedroom Bedroom Bedroom Living room Dining room Kitchen | 4 pc 12 x 12 · 144 sqft 9 x 15 · 135 sqft 9.5 x 11 · 105 sqft 16 x 15 · 240 sqft 10 x 12 · 120 sqft 11 x 12 · 132 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
452
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,636 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 381 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 53 |
| 300–400 | 104 |
| 400–500 | 52 |
| 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
Elevation
92 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 7:00 p.m.
Property tax
$2,075 / year
≈ $173 / 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
58 places shown · 3 routes · OpenStreetMap · OSRM
- 8 min to downtown St. John's6.3 km
- 11 min to Memorial University7.8 km
- 17 min to Avalon Mall14.7 km
Schools 17
Health 3
Groceries 11
Cafés 4
Parks 8
Bus stops 15
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
$393/mo
Est. winter heating (electricity) — about $1,178 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,810 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: $119,424
Closing costs + five years of running costs + 60 mortgage payments on a $335,000 home.
If rates rise 2 points
$19,140 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$1,438
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$67,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,356
- Property taxfrom the feed$2,075
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $27,655
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,758 | $136,080 | needs mortgage insurance (not modelled) |
| 10% | $1,666 | $130,528 | needs mortgage insurance (not modelled) |
| 20% | $1,481 | $119,424 | 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%$1,481/mo
- Today, posted2026-11-04 · 6.19%$1,758/mo
- 5 years ago2021-11-03 · 4.79%$1,534/mo
- 10 years ago2016-11-02 · 4.64%$1,511/mo
At 6.19% — five years ago — the same mortgage would have cost $277 more each month than at today's posted rate.
Principal & interest only: $268,000 (80% of the $335,000 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 324 active
Priced at the 45th percentile of active St. John's homes
$185/sqft — city median $192/sqft.
Errand score
walk-time weighted
53
grocery 440 m, school 230 m
Nearest errand: Cowan Heights Elementary (school) — 230 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 · 4 questions
- School within 1 km?Yes · 230 mCowan Heights Elementary
- Grocery nearby?Yes · 440 mSobeys
- Bus stop?Yes · 440 mFrecker Drive at Creston Place
- In the 100-year floodplain?No — outside itCity of St. John's flood map
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
$1,521/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
$173/mo
Principal & interest $0 + property tax $173 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-418
NOI / month
$-418
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $173 | $2,075 |
| Expenses | $246 | $2,952 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-418 | $-5,016 |
| NOI | $-418 | $-5,016 |
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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