10 Atlantic Street
Marystown, NL, A0E2M0
List price
$218,000
About this propertyMLS® 1305287
This versatile three-unit home offers incredible income potential in a highly walkable location. The main floor features two distinct living spaces: a spacious 2-bedroom, 1-bath unit and a secondary 1-bedroom, 1-bath unit. The lower level houses a 2-bedroom, 1-bath basement suite, providing excellent flexibility for renters. Major updates provide peace of mind, including a new electrical panel (2019) electric heat, and roofing shingles (2010). A new septic tank was installed in January 2025. Ideally situated within walking distance to shopping and recreation, this well-maintained property is a turnkey addition to any real estate portfolio.
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
| Basement | Foyer Porch Bedroom Bedroom Living room Kitchen Bedroom | 7.10x8.9 · 63 sqft 3.6x7 · 25 sqft 15x7.8 · 117 sqft 12.2x12 · 146 sqft 16x10.4 · 166 sqft 8.4x12.10 · 102 sqft 12x8.4 · 101 sqft |
| Main level | Bedroom Other Primary Bedroom Dining room Other Bedroom Kitchen Living room | 9.4x12.6 · 118 sqft 3.2x10.9 · 35 sqft 11x13 · 143 sqft 11x9.4 · 103 sqft 4.8x11.5 · 55 sqft 10.10x9 · 91 sqft 12.5x7.9 · 99 sqft 14.5x14.5 · 210 sqft |
Marystown at a glance
Live market stats for Marystown: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
30
Median list price
$196k
Price range
$40k – $1.1M
Typical build
1982
Average size
2,249 sqft
Where Marystown listings are priced
Every active list price in Marystown, grouped into bands.
List price, thousands of $ · 30 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 16 |
| 200–300 | 8 |
| 300–400 | 3 |
| 400–500 | 1 |
| 500–750 | 1 |
| 1M+ | 1 |
How Marystown 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
Elevation
46 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Burin · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,051 / year
≈ $88 / month · assessment year 2025
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: $86,795
Closing costs + five years of running costs + 60 mortgage payments on a $218,000 home.
If rates rise 2 points
$12,693 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$970
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$43,600
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,674
- Property taxfrom the feed$1,051
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $24,125
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,191 | $98,083 | needs mortgage insurance (not modelled) |
| 10% | $1,129 | $94,320 | needs mortgage insurance (not modelled) |
| 20% | $1,003 | $86,795 | 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 22 active
Priced at the 45th percentile of active Marystown homes
$103/sqft, city median $110/sqft.
Winter warmer
Jan–Mar · estimate
$446/mo
Est. winter heating (electricity): about $1,337 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,120 sqft. Severity 0.97× St. John's from the WINTERLAND 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%$1,003/mo
- Today, posted2026-11-04 · 6.19%$1,144/mo
- 5 years ago2021-11-03 · 4.79%$998/mo
- 10 years ago2016-11-02 · 4.64%$983/mo
At 6.19%, five years ago, the same mortgage would have cost $141 more each month than at today's posted rate.
Principal & interest only: $174,400 (80% of the $218,000 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.
Monthly carrying cost
$1,007/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$88/mo
Principal & interest $0 + property tax $88 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-272
NOI / month
$-272
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $88 | $1,051 |
| Expenses | $185 | $2,220 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-272 | $-3,264 |
| NOI | $-272 | $-3,264 |
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