For sale · MLS® 1305152
12 Thompson Place
St. John's, NL, A1E1N4
List price
$349,900
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
No offers will be presented prior to 5:00 pm on Monday, November 9th, and all offers must be left open until 10:00 pm the same 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305152
Downtown convenience with the space and privacy of a fully detached home on a full-size lot? You really can have it all at 12 Thompson Pl! Tucked away on a quiet cul-de-sac just off the bottom of Leslie St, this registered 2-apartment home is within easy walking distance of the downtown core, while offering a spacious landscaped lot, drive-in rear yard access, and plenty of parking. There are fantastic tenants in the 3-bedroom, 1-bath main-floor unit, and an above-grade 2-bedroom apartment that is ready for you or your new tenants to move in immediately. Upgrades include new shingles approximately 7 years ago, all residential supply lines upgraded to PEX plumbing, and new water-resistant laminate flooring in the apartment kitchen and living room. The main unit has lovely hardwood flooring, a beautiful fireplace in the living room (not WETT certified and sold as-is), a charming vintage kitchen, a generous dining space open to the living room, 3 well-sized bedrooms (master bedroom window does not meet egress, sold as-is), a bathroom, and a laundry/storage room in the basement. Off the kitchen is a patio for the main unit, overlooking the backyard. The main unit is heated with cozy hot water radiation heating, which is oil fired, but with a 200-amp panel already in place, it should be ready for electric conversion. The spacious two-bedroom apartment has a grade-level entry with no steps. The windows are all well above ground, giving the space fantastic light, and the apartment has a 100-amp panel and electric heat. Outside, you have a lovely landscaped lot on a quiet cul-de-sac, a convenient storage shed, and with drive-in access, you may even be able to add a detached garage. Don't miss out. Book your private showing, or stop by the Open House from 2:00 pm – 4:00 pm on Sunday November 8th. This listing is subject to a seller's direction. No offers will be presented prior to 5:00 pm on Monday, November 9th, and all offers must be left open until 10:00 pm the same day. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
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
Zoning
3.05 ha parcel
Elevation
18 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
$2,036 / year
≈ $170 / month · assessment year 2026
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
56 places shown · 3 routes · OpenStreetMap · OSRM
- 4 min to downtown St. John's2.1 km
- 10 min to Memorial University5.6 km
- 16 min to Avalon Mall12.2 km
Schools 17
Health 1
Groceries 12
Cafés 3
Parks 9
Bus stops 14
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
$764/mo
Est. winter heating (heating oil) — about $2,292 for January through March.
Estimate — not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,280 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: $134,380
Closing costs + five years of running costs + 60 mortgage payments on a $349,900 home.
If rates rise 2 points
$19,991 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$1,498
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$69,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,584
- Property taxfrom the feed$2,036
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $38,600
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,836 | $151,777 | needs mortgage insurance (not modelled) |
| 10% | $1,740 | $145,978 | needs mortgage insurance (not modelled) |
| 20% | $1,546 | $134,380 | 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%$1,546/mo
- Today, posted2026-11-04 · 6.19%$1,836/mo
- 5 years ago2021-11-03 · 4.79%$1,602/mo
- 10 years ago2016-11-02 · 4.64%$1,578/mo
At 6.19% — five years ago — the same mortgage would have cost $290 more each month than at today's posted rate.
Principal & interest only: $279,920 (80% of the $349,900 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 324 active
Priced at the 24th percentile of active St. John's homes
$153/sqft — city median $192/sqft.
Errand score
walk-time weighted
73
grocery 90 m, school 160 m
Nearest errand: Orange Store (grocery) — 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 · 160 mMontessori
- Grocery nearby?Yes · 90 mOrange Store
- Bus stop?Yes · 140 mWater Street at Pennecon
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R2 — R23.05 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
$1,578/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
$170/mo
Principal & interest $0 + property tax $170 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-437
NOI / month
$-437
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $170 | $2,036 |
| Expenses | $268 | $3,216 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-437 | $-5,244 |
| NOI | $-437 | $-5,244 |
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
Your details go straight to Haris — never shared, never spammed.