11234 105 ST NW,
Edmonton, Alberta
A two-storey duplex in Spruce Avenue, this four-bedroom, four-bathroom freehold home offers the scale and separation of a single-family property with three parking spaces. The neighbourhood sits within easy reach of schools, playgrounds, and public transit — a practical, tree-lined pocket of central Edmonton where daily errands are walkable and downtown is minutes away. At this price point, you're trading suburban sprawl for urban convenience without sacrificing bedroom count or the flexibility that comes with freehold ownership. Families drawn to the area appreciate the playground proximity and the feeling of an established community that hasn't lost its affordability.
Inside the home
The Payment Lab
Move the sliders. Compare fixed vs. variable. See exactly what this home costs you each month, with the math we’d use in your pre-approval.
Rates last updated from 26 Canadian lenders.
Can you afford this home?
Four quick questions and we'll run the federal stress test against this specific listing. You'll see if you qualify, your monthly payment, and a personal action plan — no credit pull, no obligation.
If rates move, what wins?
Variable starts $195/mo cheaper than fixed today. But variable rates move with the Bank of Canada — if they rise, your payment rises with them. This chart shows your monthly payment if BoC moves rates up or down during your term. The crossover at +1.00% is where variable becomes more expensive than today's locked fixed.
The Bank of Canada holds rates flat, cuts, or hikes less than +1.0% during your 5-year term. You'd save roughly $195/mo for as long as that holds.
BoC raises rates more than +1.0% and keeps them there. You'd be locked in below the variable rate the rest of the term.
Every down-payment, mapped
| Scenario | Down | Mortgage | Monthly | Income req. | Rate · amort |
|---|---|---|---|---|---|
Min. Down + $17,822 CMHC | $23,450 | $463,372 | $2,549 /mo | $110,000 | 4.44% · 25 yr |
10% + $13,085 CMHC | $46,900 | $435,185 | $2,394 /mo | $104,000 | 4.44% · 25 yr |
15% + $11,162 CMHC | $70,350 | $409,812 | $2,255 /mo | $99,000 | 4.44% · 25 yr |
20% | $93,800 | $375,200 | $2,095 /mo | $93,000 | 4.59% · 25 yr |
Get pre-approved.
A few questions and we'll come back with your actual buying power and the rates you actually qualify for.
Life around Edmonton.
You're a four-minute walk from Poulet Rouge, where the rotisserie chickens turn slowly in the window and the lineup at lunch tells you everything you need to know. On Saturday mornings, the NAIT Artisanal Food Market—nine minutes on foot—fills with vendors selling sourdough still warm from local ovens and honey from hives just outside the city. When you need green space, Central McDougall Park is ten minutes away, with enough mature trees to actually cool things down in July. This is a neighbourhood that works quietly in your favour, where errands feel less like chores and more like part of the rhythm.
Restaurants
Top 3 within 1.5 km"Literally the best hearty meal you can get in kingsway food court!! I highly recommend their beef Pares!! You get the softest most…"
"The food is amazing here. Customer service is amazing. Would 100% recommend"
"Needed a quick bite, and who doesn’t like fries stacked with gooey goodness?"
Parks & green
Top 3 within 1.5 km"Base ball diamonds are very well kept. My softball team plays at these fields every so often and it's a nice change from the diamonds…"
"Very small splash park and while the playground is large the biggest slide had major repairs but needs more"
"It is a very nice park great to take the kids to go and play very Kids Safe other than maybe a little bit of upkeep it's a nice little…"
Recreation
Top 2 within 1.5 km"One of the nicer school gyms I've been to (as far as tech schools go)."
"Louise is the epitome of caring for the community. I’ve had the pleasure of working with her to provide students with “boxing for mental…"
Grocery
Top 3 within 1.5 km"#undercooked chicken 🐔 🍗🫣"
"Mdina Spice Edmonton is an excellent store that truly deserves praise. From the moment you walk in, you can feel the cleanliness,…"
"I recommend this store! I love to check out new latin stores and see what they have to offer, and this new place offers so much! The…"
