For sale · MLS® 1305205
23 St Andrews Avenue
Mount Pearl, NL, A1N1C8
List price
$319,900
About this propertyMLS® 1305205
Welcome to 23 St. Andrews Avenue, a well-maintained bungalow nestled in the heart of Mount Pearl's desirable east end. Offering over 2,200 square feet of developed living space, this inviting home combines comfort, functionality, and convenience—perfect for first-time buyers, growing families, or those looking to downsize without sacrificing space. The main floor features a bright and spacious living room filled with natural light, a functional kitchen with ample cabinetry, a cozy dining area, three comfortable bedrooms, and a beautifully updated full bathroom. Hardwood flooring and neutral tones throughout create a warm and welcoming atmosphere ready for your personal touch. There is a fully developed apartment offers exceptional flexibility with a large family room, second kitchen area, fourth bedroom, full bathroom, and additional storage space—ideal for extended family, guests, a home office, or hobby space. The lower level is undeveloped and can easily be converted to a third unit or storage space! Situated on a mature 75 x 124 serviced lot, the property features a paved driveway, storage shed, and plenty of outdoor space to enjoy. Conveniently located near schools, parks, walking trails, shopping, recreation facilities, and all major amenities, this home offers the perfect blend of quiet residential living and everyday convenience. Pride of ownership is evident throughout this move-in ready property. Don't miss your opportunity to make this wonderful Mount Pearl home your own. (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 | Foyer Bath (# pieces 1-6) Bedroom Kitchen Living room | 4x7.1 · 28 sqft 8.1x5.8 · 47 sqft 8.1x11.5 · 93 sqft 8.4x6.9 · 58 sqft 12.3x10.3 · 127 sqft |
| Main level | Primary Bedroom Bath (# pieces 1-6) Bedroom Bedroom Living room Kitchen Dining room Foyer | 11.11x11.5 · 128 sqft 8x5.5 · 44 sqft 11.11x8.11 · 90 sqft 7.11x8.7 · 62 sqft 17.5x11.5 · 201 sqft 10.5x8.7 · 91 sqft 9.3x10.3 · 96 sqft 6.1x3.5 · 21 sqft |
The neighbourhood
Mount Pearl at a glance
Live market stats for Mount Pearl — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
60
Median list price
$425k
Price range
$66k – $3.8M
Typical build
1984
Average size
2,552 sqft
Where Mount Pearl listings are priced
Every active list price in Mount Pearl, grouped into bands.
List price, thousands of $ · 57 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 9 |
| 300–400 | 15 |
| 400–500 | 11 |
| 500–750 | 7 |
| 750–1M | 5 |
| 1M+ | 8 |
How Mount Pearl compares
Median list price against the next biggest markets — click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
140 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 5:00 p.m.
Property tax
$3,500 / year
≈ $292 / 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
38 places shown · 3 routes · OpenStreetMap · OSRM
- 12 min to downtown St. John's12.3 km
- 15 min to Memorial University11.9 km
- 20 min to Avalon Mall18.7 km
Schools 21
Health 1
Groceries 10
Cafés 2
Parks 4
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
$480/mo
Est. winter heating (electricity) — about $1,439 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,212 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: $125,095
Closing costs + five years of running costs + 60 mortgage payments on a $319,900 home.
If rates rise 2 points
$18,277 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$1,378
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$63,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,878
- Property taxfrom the feed$3,500
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $37,390
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,679 | $141,000 | needs mortgage insurance (not modelled) |
| 10% | $1,591 | $135,698 | needs mortgage insurance (not modelled) |
| 20% | $1,414 | $125,095 | 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%$1,414/mo
- Today, posted2026-11-04 · 6.19%$1,679/mo
- 5 years ago2021-11-03 · 4.79%$1,465/mo
- 10 years ago2016-11-02 · 4.64%$1,443/mo
At 6.19% — five years ago — the same mortgage would have cost $265 more each month than at today's posted rate.
Principal & interest only: $255,920 (80% of the $319,900 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 44 active
Priced at the 16th percentile of active Mount Pearl homes
$145/sqft — city median $192/sqft.
Errand score
walk-time weighted
48
grocery 320 m, school 280 m
Nearest errand: Morris Academy (Mount Pearl) (school) — 280 m, about 4 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 · 280 mMorris Academy (Mount Pearl)
- Grocery nearby?Yes · 320 mIrving
- 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
$1,579/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
$292/mo
Principal & interest $0 + property tax $292 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-399
NOI / month
$-399
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $292 | $3,500 |
| Expenses | $108 | $1,296 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-399 | $-4,788 |
| NOI | $-399 | $-4,788 |
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.