For sale · MLS® 1305199
624 Empire Avenue
St. John's, NL, A1E1X2
List price
$310,000
About this propertyMLS® 1305199
624 EMPIRE AVENUE – BIG FEATURES, SMART LAYOUT & MORE SPACE THAN MEETS THE EYE! Don’t let first impressions fool you — this beautifully maintained home has a whole lot more to offer than you might expect! With 3 bedrooms, 3.5 bathrooms, numerous tasteful upgrades, and impressive outdoor space, 624 Empire Avenue delivers a unique combination of comfort, practicality, and convenience. Let’s talk about the real standout feature — a FULL bathroom for EVERY bedroom upstairs! That’s right, all three upper-level bedrooms have their own private full bathrooms! Whether it’s eliminating the morning bathroom rush, accommodating guests, or simply enjoying a little extra privacy, this is a feature that takes everyday convenience to another level. An additional half bath adds even more functionality to this thoughtfully designed home. Inside, you’ll appreciate the many upgrades that give the property a fresh, inviting feel, while a mini-split provides efficient heating and cooling for year-round comfort. But the surprises don’t stop inside! Step outdoors and discover a large detached garage complete with an additional extension, offering incredible flexibility for storage, vehicles, a workshop, or whatever your lifestyle requires. And just when you think you’ve seen it all, there’s more! The backyard extends well beyond the garage, providing an unexpectedly generous outdoor space with plenty of possibilities. Three bedrooms. Four bathrooms. A spacious garage. A backyard that keeps on going. It’s not every day you find a property that offers this much functionality in one package! Whether you’re purchasing your first home, looking for something a little different, or simply appreciate a home that makes smart use of its space, 624 Empire Avenue is definitely worth a closer look! NO SELLERS DIRECTION (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
| Second level | Ensuite Bedroom Ensuite Bedroom Ensuite Primary Bedroom | 4.11 x 7.3 · 30 sqft 9.9 x 10.10 · 100 sqft 5.6 x 5 · 28 sqft 11.7 x 9.1 · 106 sqft 5.7 x 5 · 29 sqft 15 x 14.3 · 215 sqft |
| Main level | Bath (# pieces 1-6) Eat in kitchen Dining nook Kitchen Living room | 5.1 x 5 · 26 sqft 5.8 x 10.11 · 59 sqft 9.3 x 7.1 · 66 sqft 18.7 x 9.3 · 174 sqft 14.11 x 16.9 · 238 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
455
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,620 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 | 40 |
| 200–300 | 54 |
| 300–400 | 104 |
| 400–500 | 53 |
| 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
4.10 ha parcel
Elevation
136 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
$3,425 / year
≈ $285 / 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
40 places shown · 3 routes · OpenStreetMap · OSRM
- 7 min to downtown St. John's4.3 km
- 10 min to Memorial University6.4 km
- 16 min to Avalon Mall16 km
Schools 7
Health 1
Groceries 11
Cafés 2
Parks 4
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
$283/mo
Est. winter heating (electricity) — about $848 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,303 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: $116,145
Closing costs + five years of running costs + 60 mortgage payments on a $310,000 home.
If rates rise 2 points
$17,712 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$1,338
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$62,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,696
- Property taxfrom the feed$3,425
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $31,105
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,627 | $131,558 | needs mortgage insurance (not modelled) |
| 10% | $1,541 | $126,420 | needs mortgage insurance (not modelled) |
| 20% | $1,370 | $116,145 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-06), 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 rate2026-11-06 · 4.44%$1,370/mo
- Today, posted2026-11-04 · 6.19%$1,627/mo
- 5 years ago2021-11-03 · 4.79%$1,420/mo
- 10 years ago2016-11-02 · 4.64%$1,398/mo
At 6.19% — five years ago — the same mortgage would have cost $257 more each month than at today's posted rate.
Principal & interest only: $248,000 (80% of the $310,000 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 326 active
Priced at the 74th percentile of active St. John's homes
$238/sqft — city median $192/sqft.
Errand score
walk-time weighted
33
grocery 580 m, school 610 m
Nearest errand: Jensen Camp Road (bus stop) — 70 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 · 610 mDay Care
- Grocery nearby?Yes · 580 mCircle-K Irving
- Bus stop?Yes · 70 mJensen Camp Road
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R14.10 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
$1,533/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
$286/mo
Principal & interest $0 + property tax $286 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-387
NOI / month
$-387
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $286 | $3,425 |
| Expenses | $102 | $1,224 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-387 | $-4,644 |
| NOI | $-387 | $-4,644 |
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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