For sale · MLS® 1305210
1 Sparta Place
Portugal Cove-St. Philip's, NL, A1M0H9
List price
$770,000
About this propertyMLS® 1305210
Why build when you could have all this now? Soaring ceilings, beautiful finishes, a spacious layout and a large detached garage, without starting from the ground up. If you’re considering building but weighing the wait and the cost, 1 Sparta Place deserves a look. Set in Windsor’s Gate, Portugal Cove–St. Philip’s, this home offers room to grow in a community with a new high school. Inside, the open-concept living space brings everyone together, with a propane fireplace, a white kitchen with a large island, and a walk-in pantry. The primary suite features a custom tiled ensuite shower. Downstairs, the expansive rec room makes room for movie nights, games and a separate hangout, alongside two additional bedrooms and a full bathroom. One bedroom offers flexibility as a home office. Outside, enjoy a spacious yard backing onto greenbelt and a covered deck for barbecues and relaxed evenings. The large wired detached garage includes a loft, providing extra space for storage and hobbies, while the wired cedar greenhouse is a bonus. Space, comfort and the features you’ve been planning for, already brought together. No seller’s direction on offers. Come see it and make it your home today. (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 | Porch Bath (# pieces 1-6) Laundry room Bedroom Bedroom Recreation room | 13.0 x 11.6 · 151 sqft 4 pcs 11.8 x 5.10 · 60 sqft 13.0 x 19.1 · 248 sqft 14.0 x 14.3 · 200 sqft 31.1 x 15.5 · 482 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Storage Ensuite Primary Bedroom Foyer Living room/Dining room | 4 pcs 14.0 x 13.2 · 185 sqft 9.10 x 4.11 · 37 sqft 4 pcs 15.3 x 12.8 · 196 sqft 11.10 x 9.7 · 108 sqft 31.8 x 28.10 · 894 sqft |
The neighbourhood
Portugal Cove-St. Philip's at a glance
Live market stats for Portugal Cove-St. Philip's — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
69
Median list price
$400k
Price range
$35k – $1.2M
Typical build
2002
Average size
3,060 sqft
Where Portugal Cove-St. Philip's listings are priced
Every active list price in Portugal Cove-St. Philip's, grouped into bands.
List price, thousands of $ · 69 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 19 |
| 200–300 | 10 |
| 300–400 | 6 |
| 400–500 | 9 |
| 500–750 | 12 |
| 750–1M | 10 |
| 1M+ | 3 |
How Portugal Cove-St. Philip's compares
Median list price against the next biggest markets — click a row for that area guide.
Portugal Cove-St. Philip'snearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
160 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 6:00 p.m.
Property tax
$4,016 / year
≈ $335 / month · assessment year 2026
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet — dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · 3 routes · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet — OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
- 19 min to downtown St. John's14.1 km
- 16 min to Memorial University12 km
- 6 min to Avalon Mall3.9 km
Nothing mapped within 1.5 km of this address.
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
$651/mo
Est. winter heating (electricity) — about $1,952 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,000 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: $253,957
Closing costs + five years of running costs + 60 mortgage payments on a $770,000 home.
If rates rise 2 points
$43,994 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$3,178
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$154,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,904
- Property taxfrom the feed$4,016
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $45,100
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $4,041 | $292,241 | needs mortgage insurance (not modelled) |
| 10% | $3,828 | $279,479 | needs mortgage insurance (not modelled) |
| 20% | $3,403 | $253,957 | 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%$3,403/mo
- Today, posted2026-11-04 · 6.19%$4,041/mo
- 5 years ago2021-11-03 · 4.79%$3,526/mo
- 10 years ago2016-11-02 · 4.64%$3,473/mo
At 6.19% — five years ago — the same mortgage would have cost $638 more each month than at today's posted rate.
Principal & interest only: $616,000 (80% of the $770,000 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 36 active
Priced at the 78th percentile of active Portugal Cove-St. Philip's homes
$257/sqft — city median $231/sqft.
Ask this listing
open data · 1 question
- 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
$3,434/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
$335/mo
Principal & interest $0 + property tax $335 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-962
NOI / month
$-962
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $335 | $4,016 |
| Expenses | $628 | $7,536 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-962 | $-11,544 |
| NOI | $-962 | $-11,544 |
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.