Seller's direction
As Per Sellers Direction there will be no conveyance of any written signed offers prior to 5:00pm on Nove 10, 2026 (id:56688)
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305224
Flexible Home with an In law suite. Ideal for First time home buyers, extended family, or Investors. Discover, the versatility of this spacious three bedroom split-entry bungalow. With comfortable living areas, a flexible lower level, and generous outdoor space, this property offers a range of possibilities for homeowners and investors. The main floor features three bedrooms, a kitchen, a dining room, and full bathroom. The layout provides a practical foundation for first-time buyers seeking room to grow. The lower level includes a large recreation room, a spacious laundry room, and a storage area. A separate in-law suite, featuring a kitchen, living room, and a bathroom with a walk in shower, offers flexibility for extended family, guests or potential rental use. Outside, enjoy a backyard with mature trees, a 13 x 12 patio, and a 9 x 6.6 deck--ideal for relaxing, entertaining, or enjoying the surrounding outdoor space. A large 24 x 10 shed provides additional storage for tools, equipment, and seasonal items. Whether you're purchasing your first home, planning for extended family, or exploring potential rental income, this property offers adaptable living space and valuable flexibility. Don't miss the opportunity to make this versatile bungalow your own. As Per Sellers Direction there will be no conveyance of any written signed offers prior to 5:00pm on Nove 10, 2026 (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
| Other | Bath (# pieces 1-6) Living room Bedroom Kitchen | 6 x 7.6 · 46 sqft 10 x 12 · 120 sqft 12 x 9 · 108 sqft 8.6 x 12 · 103 sqft |
| Basement | Recreation room Laundry room | 25 x 11.6 · 290 sqft 10 x 11 · 110 sqft |
| Main level | Foyer Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom Dining room Living room Kitchen | 6 x 8 · 48 sqft 6 x 9.6 · 58 sqft 9 x 9.6 · 86 sqft 9.6 x 10 · 96 sqft 13.6 x 10.6 · 144 sqft 9.6 x 9.6 · 92 sqft 12 x 18 · 216 sqft 12 x 9.6 · 115 sqft |
The neighbourhood
Gander at a glance
Live market stats for Gander — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
49
Median list price
$419k
Price range
$108k – $7.3M
Typical build
1998
Average size
2,132 sqft
Where Gander listings are priced
Every active list price in Gander, grouped into bands.
List price, thousands of $ · 46 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 7 |
| 200–300 | 6 |
| 300–400 | 9 |
| 400–500 | 9 |
| 500–750 | 10 |
| 750–1M | 1 |
| 1M+ | 4 |
How Gander compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
126 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Grand Falls - Windsor · updated 5:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,953 / year
≈ $163 / month
Climate
Jan -3° · Jul 22°
normal daily high · GANDER INT'L A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
19 places shown · OpenStreetMap · OSRM
Schools 8
Groceries 4
Cafés 3
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
$502/mo
Est. winter heating (electricity) — about $1,505 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,128 sqft. Severity 1.09× St. John's from the GANDER INT'L 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: $133,927
Closing costs + five years of running costs + 60 mortgage payments on a $379,000 home.
If rates rise 2 points
$21,654 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$1,614
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$75,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,010
- Property taxfrom the feed$1,953
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $30,315
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,989 | $152,771 | needs mortgage insurance (not modelled) |
| 10% | $1,884 | $146,490 | needs mortgage insurance (not modelled) |
| 20% | $1,675 | $133,927 | 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%$1,675/mo
- Today, posted2026-11-04 · 6.19%$1,989/mo
- 5 years ago2021-11-03 · 4.79%$1,736/mo
- 10 years ago2016-11-02 · 4.64%$1,709/mo
At 6.19% — five years ago — the same mortgage would have cost $314 more each month than at today's posted rate.
Principal & interest only: $303,200 (80% of the $379,000 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 40 active
Priced at the 40th percentile of active Gander homes
$178/sqft — city median $212/sqft.
Errand score
walk-time weighted
18
grocery 940 m, school 980 m
Nearest errand: Byrd Ave Park (park) — 880 m, about 11 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 · 3 questions
- School within 1 km?Yes · 980 mKeyin College
- Grocery nearby?Yes · 940 mNeeds Convenience
- Bus stop?No bus stop mapped within 800 m
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
$1,688/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
$163/mo
Principal & interest $0 + property tax $163 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-473
NOI / month
$-473
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $163 | $1,953 |
| Expenses | $311 | $3,732 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-473 | $-5,676 |
| NOI | $-473 | $-5,676 |
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.












































