77A Rennies Mill Road
St. John's, NL, A1C3R1
List price
$674,900
No conveyance of offers until
Tuesday, November 17 at 12:00 p.m. NST · open for acceptance until 5:00 p.m. NST
6
days left
No conveyance of offers until Tuesday, November 17 @ 12:00pm & left open for acceptance until 5:00pm the same day.
Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date.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® 1305294
Ideally situated across from Bannerman Park, this well-constructed & meticulously maintained raised bungalow offers exceptional versatility & income potential. Set on a mature, level, & landscaped lot with excellent sun exposure, the property also features a large detached garage (2013) with electrical & drive-in access, accommodating 2 full-sized vehicles. Currently configured as 2 spacious flats, the upper-level main floor offers a generous living room with propane f/p, adjoining dining room featuring beautiful millwork, including fireplace mantle, pillars & wainscoting, & an eat-in kitchen with direct access to the large rear patio & garden. 3 well-proportioned bedrooms (one currently used as an office/den with f/p) & a main 4pc bath complete the level. Additional storage, laundry & a powder room are conveniently located on the lower level. The bright & spacious lower-level flat is equally impressive, featuring oversized windows, a separate covered entrance, large living room, dining room, eat-in kitchen, 2 well-proportioned bedrooms, full bathroom, separate laundry & storage. Numerous upgrades include mini-splits installed in 2025 (2 heads upstairs & 1 downstairs), interior painting throughout (2025), exterior painting (2026), & a furnace ~5 years old, complete with a service contract. A detailed list of improvements is available upon request. The main level is vacant & ready for occupancy, while the lower flat is occupied by excellent tenants at $1,575/month POU on a month-to-month basis. Within walking distance to the downtown core, Rennie's River Trail system, Churchill Square & Memorial University, this is an outstanding opportunity for investors seeking rental or vacation rental potential, or homeowners looking to offset their mortgage with rental income. Easily converted back to a single-family home for those seeking additional living space! No conveyance of offers until Tuesday, November 17 @ 12:00pm & left open for acceptance until 5:00pm the same day.
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
| Basement | Storage Bath (# pieces 1-6) Not known Not known Not known Not known Not known Bath (# pieces 1-6) Laundry room | 8.0 x 11.10 · 89 sqft 7.9 x 6.6 4pc 12.2 x 11.10 · 135 sqft 12.5 x 12.10 · 151 sqft 14.9 x 11.10 · 165 sqft 14.4 x 11.0 · 158 sqft 14.4 x 17.1 · 246 sqft 2pc 16.11 x 11.0 · 177 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Storage Primary Bedroom Eat in kitchen Dining room Living room/Fireplace Foyer Porch | 8.3 x 6.1 4pc 12.2 x 11.10 · 135 sqft 12.3 x 10.7 · 132 sqft 6.2 x 5.5 · 34 sqft 21.3 x 11.6 · 247 sqft 17.7 x 11.6 · 205 sqft 13.8 x 11.6 · 160 sqft 14.8 x 16.1 · 238 sqft 6.8 x 8.9 · 61 sqft 5.0 x 4.9 · 25 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
1.60 ha parcel
Elevation
37 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
$5,057 / year
≈ $421 / 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: $251,315
Closing costs + five years of running costs + 60 mortgage payments on a $674,900 home.
If rates rise 2 points
$39,295 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$2,798
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$134,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$5,972
- Property taxfrom the feed$5,057
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $60,645
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,689 | $286,259 | needs mortgage insurance (not modelled) |
| 10% | $3,494 | $274,611 | needs mortgage insurance (not modelled) |
| 20% | $3,106 | $251,315 | 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 67th percentile of active St. John's homes
$227/sqft, city median $197/sqft.
Winter warmer
Jan–Mar · estimate
$995/mo
Est. winter heating (heating oil): about $2,986 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,970 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%$3,106/mo
- Today, posted2026-11-04 · 6.19%$3,542/mo
- 5 years ago2021-11-03 · 4.79%$3,091/mo
- 10 years ago2016-11-02 · 4.64%$3,044/mo
At 6.19%, five years ago, the same mortgage would have cost $435 more each month than at today's posted rate.
Principal & interest only: $539,920 (80% of the $674,900 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?RA: RA1.60 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
$3,267/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$422/mo
Principal & interest $0 + property tax $422 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-843
NOI / month
$-843
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $422 | $5,057 |
| Expenses | $422 | $5,064 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-843 | $-10,116 |
| NOI | $-843 | $-10,116 |
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