For sale · MLS® 1305123
3 Shaw Street
St. John's, NL, A1E2W6
List price
$739,000
About this propertyMLS® 1305123
Welcome to this beautifully maintained, one-owner home in a highly desirable West End location, offering the convenience of downtown living with the added benefits of generous space, beautiful grounds and a double garage. Proudly owned by the same owner since construction in 2002, this exceptional property has been meticulously cared for, and the pride of ownership is evident throughout. Featuring 9-foot ceilings, beautiful hardwood flooring and a thoughtfully designed layout, the main floor offers a spacious living room with propane fireplace, separate family room, formal dining area and custom kitchen with granite countertops. A dedicated office and convenient half bath complete this level. Upstairs, you'll find three generously sized bedrooms, including a beautiful primary suite with ample closet space, renovated ensuite and views of Cabot Tower. A renovated main bathroom with custom tiled shower serves the additional bedrooms. The fully developed lower level offers a fourth bedroom, laundry area and an impressive 28 x 21 attached double garage. Additional features include a dual-head mini-split heat pump, tasteful finishes throughout and a spacious private deck overlooking the beautifully maintained grounds. Immaculately kept inside and out, this home is a true reflection of years of attentive ownership. Offering an exceptional combination of location, space and condition, this is a rare opportunity to own a move-in-ready home just minutes from downtown St. John's. (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
| Lower level | Laundry room Bedroom | 10 x 8 · 80 sqft 13 x 12 · 156 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom | 3 PC 11 x 10.8 · 119 sqft 12.4 x 9.6 · 119 sqft 4 PC 18.6 x 13.8 · 257 sqft |
| Main level | Bath (# pieces 1-6) Living room/Fireplace Family room Dining room Kitchen | 2 PC 17.9 x 12.6 · 226 sqft 12.8 x 14 · 179 sqft 13.6 x 11.8 · 160 sqft 13 x 13 · 169 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
8.33 ha parcel
Elevation
24 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 3:00 p.m.
Property tax
$4,322 / year
≈ $360 / 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
45 places shown · 3 routes · OpenStreetMap · OSRM
- 4 min to downtown St. John's2.3 km
- 10 min to Memorial University5.8 km
- 16 min to Avalon Mall12.4 km
Schools 14
Health 1
Groceries 11
Cafés 3
Parks 7
Bus stops 9
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
$278/mo
Est. winter heating (heat pump electricity) — about $833 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,200 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: $235,953
Closing costs + five years of running costs + 60 mortgage payments on a $739,000 home.
If rates rise 2 points
$42,222 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$3,054
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$147,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,666
- Property taxfrom the feed$4,322
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $35,440
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,878 | $272,695 | needs mortgage insurance (not modelled) |
| 10% | $3,674 | $260,448 | needs mortgage insurance (not modelled) |
| 20% | $3,266 | $235,953 | 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%$3,266/mo
- Today, posted2026-11-04 · 6.19%$3,878/mo
- 5 years ago2021-11-03 · 4.79%$3,384/mo
- 10 years ago2016-11-02 · 4.64%$3,333/mo
At 6.19% — five years ago — the same mortgage would have cost $612 more each month than at today's posted rate.
Principal & interest only: $591,200 (80% of the $739,000 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 71st percentile of active St. John's homes
$231/sqft — city median $192/sqft.
Errand score
walk-time weighted
42
grocery 450 m, school 420 m
Nearest errand: Brother Eagan Park (park) — 250 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 · 5 questions
- School within 1 km?Yes · 420 mMontessori
- Grocery nearby?Yes · 450 mMarie's Mini Mart
- Bus stop?Yes · 570 mWater Street at Campbell's Ship Supplies
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R18.33 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
$3,335/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
$361/mo
Principal & interest $0 + property tax $361 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-923
NOI / month
$-923
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $361 | $4,322 |
| Expenses | $563 | $6,756 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-923 | $-11,076 |
| NOI | $-923 | $-11,076 |
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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