38 Smith Avenue
St. John's, NL, A1C5G1
List price
$339,900
About this propertyMLS® 1305269
Welcome to 38 Smith Avenue — a move-in-ready 3-bedroom, 1-bathroom home in a convenient central location, where the major upgrades have already been taken care of! This home has seen an impressive list of improvements, including a new 200-amp electrical panel, new sewer and water lines, a new hot water boiler, a new concrete basement floor, new vinyl basement windows, two new sump pumps, and a new washer and dryer. The home has also passed city inspection, providing added peace of mind. A complete list of upgrades is available with the listing. The fully insulated, undeveloped basement provides plenty of storage today while offering excellent potential for future development. Step outside to a large, deep backyard with new fencing — perfect for kids, pets, gardening, or simply enjoying your own outdoor space. The property also offers convenient parking for two vehicles. Located just minutes from downtown, schools, shopping, and everyday amenities, 38 Smith Avenue combines location, space, and substantial upgrades in one move-in-ready package. With so much of the big-ticket work already completed, this is one you won’t want to miss. Book your private viewing today!
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
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.
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
| Main level | Bath (# pieces 1-6) Laundry room Kitchen Living room Bedroom Bedroom Primary Bedroom | 10.8 X 5.9 · 64 sqft 5.8 X 5.1 · 30 sqft 11.4 X 19.2 · 219 sqft 12.3 X 10.2 · 125 sqft 11 X 9.7 · 107 sqft 11 X 10.6 · 117 sqft 12.8 X 11 · 141 sqft |
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
435
Median list price
$400k
Price range
$1.8k – $4.3M
Typical build
1976
Average size
3,671 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 364 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 40 |
| 200–300 | 52 |
| 300–400 | 91 |
| 400–500 | 52 |
| 500–750 | 63 |
| 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.
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Zoning
2.12 ha parcel
Elevation
83 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
$1,877 / year
≈ $156 / month
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: $116,535
Closing costs + five years of running costs + 60 mortgage payments on a $339,900 home.
If rates rise 2 points
$19,790 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$1,458
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$67,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$966
- Property taxfrom the feed$1,877
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $19,715
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,858 | $134,135 | needs mortgage insurance (not modelled) |
| 10% | $1,760 | $128,268 | needs mortgage insurance (not modelled) |
| 20% | $1,564 | $116,535 | 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 308 active
Priced at the 41st percentile of active St. John's homes
$183/sqft, city median $197/sqft.
Winter warmer
Jan–Mar · estimate
$161/mo
Est. winter heating (heat pump electricity): about $483 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,856 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%$1,564/mo
- Today, posted2026-11-04 · 6.19%$1,784/mo
- 5 years ago2021-11-03 · 4.79%$1,557/mo
- 10 years ago2016-11-02 · 4.64%$1,533/mo
At 6.19%, five years ago, the same mortgage would have cost $219 more each month than at today's posted rate.
Principal & interest only: $271,920 (80% of the $339,900 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.
Ask this listing
open data · 2 questions
- In the 100-year floodplain?No, outside itCity of St. John's flood map
- Zoning?R2: R22.12 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
$1,590/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$157/mo
Principal & interest $0 + property tax $157 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-424
NOI / month
$-424
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $157 | $1,877 |
| Expenses | $268 | $3,216 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-424 | $-5,088 |
| NOI | $-424 | $-5,088 |
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