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St. Albert · Single Family · under $475,000 · 4+ bed · 1+ bath. Alerts only send when there are new or meaningfully updated matching homes.
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23 Spruce Crescent
Welcome to this well-maintained bungalow situated on a huge lot in the highly sought-after community of Sturgeon Heights! The main floor offers 3 spacious bedrooms, a full bathroom, and a bright, functional layout. The developed basement features 2 additional bedrooms, 1 full bathroom, and a second kitchen, providing excellent flexibility for extended family or as a mortgage helper.Enjoy peace of mind with numerous upgrades including newer windows, exterior insulation wrap, newer siding, additional attic insulation, a sump pump, a newer high-efficiency furnace, and a roof replaced last year. Outside, you'll find a detached double garage and an expansive backyard with plenty of room to enjoy. Ideally located close to parks, schools, shopping, and all amenities, this is a fantastic opportunity for families, investors, or anyone looking for a home on a large lot. (id:65958)
Basement
| Room | Dimensions | Features |
|---|---|---|
| Laundry room | 6.82 M x 2.63 M | |
| Kitchen | 1.76 M x 5.70 M | |
| Living room/Dining room | 7.24 M x 3.56 M | |
| 4pc Bathroom | 2.21 M x 1.88 M | |
| Bedroom | 3.04 M x 3.60 M | |
| Bedroom | 2.74 M x 4.26 M |
Main level
| Room | Dimensions | Features |
|---|---|---|
| Other | 1.80 M x 1.17 M | |
| Living room | 4.37 M x 3.80 M | |
| Dining room | 2.84 M x 2.80 M | |
| Kitchen | 3.87 M x 3.79 M | |
| Other | .99 M x 1.04 M | |
| Bedroom | 2.74 M x 2.76 M | |
| Bedroom | 2.73 M x 3.79 M | |
| Primary Bedroom | 3.33 M x 3.80 M | |
| 4pc Bathroom | 1.51 M x 2.44 M |
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
8.57%
Cap rate
6.58%
GRM
10.7
Break-even rent
$2,661
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 Jul 9, 2026.
Location of this listing. Distances are straight-line.
Full neighbourhood intelligence (schools, halal, mosques, transit) is still building for this address.
Buyer-fit signals
Derived from listing data and nearby-amenity proximity. Verify anything that matters to your decision — distances are approximate.