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#23 35 GARDEN RD
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St. Albert · Single Family · under $400,000 · 2+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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LOCATION LOCATION LOCATION! This well-maintained half duplex BACKING GARDEN POND & ECO PARK features a bright & functional main floor designed for everyday living & entertaining. There is a sun-filled living room w/ HARDWOOD FLOORING, a formal dining area & an updated kitchen. Step outside through the patio doors from the dinette & take in the tranquil views from your PRIVATE DECK. Upstairs, unwind in the stunning family room feat. a cozy STONE ELECTRIC F/P—perfect for relaxing evenings. All 3 BEDROOMS are tucked away on the lower level for added privacy. The basement bedrooms stay naturally cool year-round, creating a comfortable retreat for restful sleep. Perfect for shift workers, young families or anyone who appreciates a clear separation between living & sleeping spaces. The basement is complete w/ a 4pce bath & a generous utility/storage room feat. NEWER MECHANICAL systems including the furnace, humidifier & hwt. A double attached garage & NEW CARPET (2026) & No Age Restriction, Great for Families! (id:65958)
Lower level
| Room | Dimensions | Features |
|---|---|---|
| Primary Bedroom | 3.34 × 4.42 meters | |
| Bedroom 2 | 2.94 × 3.34 meters | |
| Bedroom 3 | 2.92 × 3.96 meters |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Living room | 3.44 × 4.76 meters | |
| Dining room | 2.95 × 4.03 meters | |
| Kitchen | 3.14 × 2.63 meters | |
| Family room | 4.15 × 6.08 meters |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Cash on cash
3.22%
Cap rate
5.51%
GRM
12.1
Break-even rent
$2,203
Financing
Operating expenses (monthly)
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Approximation only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.
Pick a down payment and tap any underlined number to edit. Total updates live. Confirm with a mortgage broker before writing an offer.
Monthly carrying costs (shared)
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Accelerated bi-weekly frequency reduces total interest paid vs. monthly — confirm with a broker. Suite rental income depends on permits, market rent, and vacancy. Always validate with a mortgage broker before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Jun 14, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.