For sale · MLS® 1303562
14 Alma Avenue
Paradise, NL, A1L4G9
List price
$529,900
Seller's direction · offers
No conveyance of offers until
Wednesday, November 11 at 4:00 p.m. NST
6
days left
Per sellers direction, there will be no conveyance of offers until 4pm on Wednesday 11th of November, 2026 and to be left open until 9pm 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1303562
A must-see beautiful, bright modern home near NoFrills, Sobeys, Dollar Store etc. Close to all main thoroughfares (Topsail Rd, Kenmount Rd, and TCH), this house features a three-bedroom main floor with a modern, open-concept kitchen and living room, main bath, full ensuite in the master bedroom, with walk-in closet. It has birch hardwood flooring throughout, built-in speakers, crown moulding, pot-lights, a 10 X 10 deck, attached garage, a partially-fenced backyard, and four-car parking. It is located in a desired area that’s walking distance to the shopping district, schools, town hall, rec centre, dog park, and sports facilities. As well, it is a five-minute walk to both the Octagon and Neils Pond walking trails. It also has a smartly-designed, beautiful, modern, above-ground entry two-bedroom basement apartment that is now being rented. Home has enjoyed several upgrages like Shed, Installation of 3 Mini Splits across the main and apartment units. It contains all stainless steel appliances upstairs and down. It is a must-see to fully appreciate it. Per sellers direction, there will be no conveyance of offers until 4pm on Wednesday 11th of November, 2026 and to be left open until 9pm same 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 | Bath (# pieces 1-6) Not known Not known Not known Not known | 4 PCS 8.10 x 9 · 73 sqft 9.10 x 8.1 · 74 sqft 9.10 x 8 · 73 sqft 9.10 x 8.11 · 74 sqft |
| Main level | Bath (# pieces 1-6) Laundry room Bedroom Living room Ensuite Bedroom Primary Bedroom Kitchen | 7.9 x 5.9 · 47 sqft 6.5 x 5.9 · 38 sqft 9.10 x 8.11 · 74 sqft 17.8 x 11.11 · 198 sqft 6.5 x 6.10 · 40 sqft 12.3 x 9.11 · 112 sqft 127 x 12.11 13.0 x 12.0 · 156 sqft |
| Lower level | Recreation room | 8.8 x 6.4 · 56 sqft |
The neighbourhood
Paradise at a glance
Live market stats for Paradise — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
154
Median list price
$520k
Price range
$125k – $6M
Typical build
2014
Average size
2,587 sqft
Where Paradise listings are priced
Every active list price in Paradise, grouped into bands.
List price, thousands of $ · 151 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 4 |
| 200–300 | 8 |
| 300–400 | 16 |
| 400–500 | 41 |
| 500–750 | 64 |
| 750–1M | 12 |
| 1M+ | 6 |
How Paradise 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
174 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
$2,943 / year
≈ $245 / 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
20 places shown · 3 routes · OpenStreetMap · OSRM
- 20 min to downtown St. John's17.6 km
- 16 min to Memorial University14.2 km
- 21 min to Avalon Mall20.9 km
Schools 8
Groceries 4
Cafés 2
Parks 6
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
$204/mo
Est. winter heating (heat pump electricity) — about $613 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,356 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: $170,575
Closing costs + five years of running costs + 60 mortgage payments on a $529,900 home.
If rates rise 2 points
$30,276 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$2,218
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$105,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,226
- Property taxfrom the feed$2,943
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $26,345
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,781 | $196,921 | needs mortgage insurance (not modelled) |
| 10% | $2,635 | $188,139 | needs mortgage insurance (not modelled) |
| 20% | $2,342 | $170,575 | 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%$2,342/mo
- Today, posted2026-11-04 · 6.19%$2,781/mo
- 5 years ago2021-11-03 · 4.79%$2,427/mo
- 10 years ago2016-11-02 · 4.64%$2,390/mo
At 6.19% — five years ago — the same mortgage would have cost $439 more each month than at today's posted rate.
Principal & interest only: $423,920 (80% of the $529,900 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 131 active
Priced at the 46th percentile of active Paradise homes
$225/sqft — city median $229/sqft.
Errand score
walk-time weighted
36
grocery 450 m, school 430 m
Nearest errand: Milwright College (school) — 430 m, about 5 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 · 430 mMilwright College
- Grocery nearby?Yes · 450 mSobeys
- Bus stop?No bus stop mapped within 800 m
- 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
$2,378/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
$246/mo
Principal & interest $0 + property tax $246 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-662
NOI / month
$-662
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $246 | $2,943 |
| Expenses | $417 | $5,004 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-662 | $-7,944 |
| NOI | $-662 | $-7,944 |
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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