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.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
3 rooms are grey + dashed at the average size because the listing gives no dimensions. Never compare their size to a coloured room.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
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 |
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
64
Median list price
$400k
Price range
$35k – $1.2M
Typical build
2005
Average size
3,228 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 $ · 64 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 18 |
| 200–300 | 8 |
| 300–400 | 6 |
| 400–500 | 8 |
| 500–750 | 11 |
| 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 scores for this exact address.
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 10:30 a.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 · 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.
Nothing mapped within 1.5 km of this address.
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $262,411
Closing costs + five years of running costs + 60 mortgage payments on a $770,000 home.
If rates rise 2 points
$44,832 more over five years if the rate is 6.84% instead of 4.84% (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% | $4,208 | $302,280 | needs mortgage insurance (not modelled) |
| 10% | $3,987 | $288,990 | needs mortgage insurance (not modelled) |
| 20% | $3,544 | $262,411 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 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.
Price ghosts
$/sqft vs 32 active
Priced at the 78th percentile of active Portugal Cove-St. Philip's homes
$257/sqft, city median $227/sqft.
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.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$3,544/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 $497 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.
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
$3,582/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$335/mo
Principal & interest $0 + property tax $335 per month
Financing breakdown
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.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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