For sale · MLS® 1304444
14 O'Reilly Street
St. John's, NL, A1E3H1
List price
$375,000
Seller's direction
As per attached Seller's Direction, there will be no conveyance of offers prior to 4:00 pm on , November10th with offers to remain open until 9:00 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1304444
Welcome to a fantastic investment opportunity or mortgage helper in a mature area of the west end of St John’s. Situated on an oversized mature lot with a detached 30 x 15 garage with an attached 12 x 8 office space as well as a storage shed with the added bonus of drive in access with room to park trailers, an RV, a boat, or extra vehicles. The main floor features a functional floor plan with a spacious living room that flows seamlessly into a large eat-in kitchen, which offers a spacious dining area perfect for family meals and easy entertaining. Completing the main floor layout are two comfortable bedrooms and a full bathroom. On the lower level a separate one bedroom apartment provides immediate cash flow to significantly offset your mortgage payments and is currently rented to a reliable tenant. As per attached Seller's Direction, there will be no conveyance of offers prior to 4:00 pm on , November10th with offers to remain open until 9:00 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
View rooms as table
| Basement | Bath (# pieces 1-6) Not known Living room/Dining room Not known Other Storage Laundry room | 7.7 x 5.3 · 41 sqft 14.8 x 9.1 · 135 sqft 23 x 11.8 · 271 sqft 11.8 x 8.3 · 98 sqft 16.10 x 10.6 · 171 sqft 10.8 x 10.6 · 114 sqft 8.8 x 6.3 · 55 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Eating area Kitchen Living room | 7 x 5.4 · 38 sqft 10.8 x 9.5 · 103 sqft 19.2 x 12.3 · 236 sqft 11.10 x 8.4 · 93 sqft 15.3 x 9.6 · 147 sqft 16.11 x 13.4 · 216 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
Elevation
81 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
$2,027 / year
≈ $169 / 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
46 places shown · 3 routes · OpenStreetMap · OSRM
- 5 min to downtown St. John's2.8 km
- 10 min to Memorial University5.9 km
- 16 min to Avalon Mall12.5 km
Schools 13
Groceries 11
Cafés 3
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
$503/mo
Est. winter heating (electricity) — about $1,510 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,320 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: $133,271
Closing costs + five years of running costs + 60 mortgage payments on a $375,000 home.
If rates rise 2 points
$21,425 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$1,598
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$75,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,020
- Property taxfrom the feed$2,027
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $30,735
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,968 | $151,915 | needs mortgage insurance (not modelled) |
| 10% | $1,864 | $145,701 | needs mortgage insurance (not modelled) |
| 20% | $1,657 | $133,271 | 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%$1,657/mo
- Today, posted2026-11-04 · 6.19%$1,968/mo
- 5 years ago2021-11-03 · 4.79%$1,717/mo
- 10 years ago2016-11-02 · 4.64%$1,691/mo
At 6.19% — five years ago — the same mortgage would have cost $311 more each month than at today's posted rate.
Principal & interest only: $300,000 (80% of the $375,000 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 27th percentile of active St. John's homes
$162/sqft — city median $192/sqft.
Errand score
walk-time weighted
41
grocery 570 m, school 310 m
Nearest errand: Cornwall Avenue - 65 (bus stop) — 110 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 · 4 questions
- School within 1 km?Yes · 310 mCollege of Licensed Practical Nurses of Newfoundland & Labrador
- Grocery nearby?Yes · 570 mMarie's Mini Mart
- Bus stop?Yes · 110 mCornwall Avenue - 65
- 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
$1,678/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
$169/mo
Principal & interest $0 + property tax $169 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-468
NOI / month
$-468
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $169 | $2,027 |
| Expenses | $300 | $3,600 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-468 | $-5,616 |
| NOI | $-468 | $-5,616 |
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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