13439 114 ST NW,
Edmonton, Alberta
Tucked into Kensington, this five-bedroom single-family home offers a rare combination of space and value north of the river. The property sits on a generous lot—just over 6,200 square feet—with room for four vehicles, a detail that speaks to practicality as much as possibility. Inside, two full bathrooms serve the home's five bedrooms, a layout that works well for growing families or those who need dedicated home-office space. The neighbourhood itself carries a quiet, established character: mature trees line the streets, and the community's proximity to schools and green space makes it a draw for buyers seeking balance between accessibility and calm. At this price point, it's a compelling entry into freehold ownership.
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.
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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 $144/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 +0.75% is where variable becomes more expensive than today's locked fixed.
The Bank of Canada holds rates flat, cuts, or hikes less than +0.8% during your 5-year term. You'd save roughly $144/mo for as long as that holds.
BoC raises rates more than +0.8% 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 + $15,197 CMHC | $19,995 | $395,110 | $2,130 /mo | $93,000 | 4.24% · 25 yr |
10% + $11,157 CMHC | $39,991 | $371,076 | $2,001 /mo | $88,000 | 4.24% · 25 yr |
15% + $9,518 CMHC | $59,986 | $349,440 | $1,884 /mo | $84,000 | 4.24% · 25 yr |
20% | $79,982 | $319,927 | $1,751 /mo | $79,000 | 4.39% · 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.
Mornings here often start with the warm scent of cardamom drifting from Elsafadi Mediterranean Supermarket, just a two-minute walk when you need fresh produce or something for tonight's dinner. When you want to linger over coffee, Mokha Coffee House is six minutes away, where the hum of conversation mixes with the hiss of the espresso machine. A ten-minute walk brings you to Grand Trunk Park, where the trails wind under mature trees and neighbours stop to chat near the playground. It's the kind of neighbourhood where errands feel less like chores and more like chances to recognize faces.
Coffee
Top 2 within 1.5 km"Had a lovely time and staff were phenomenal. Food was delicious and so was my hot chocolate. Its so pretty in there and the staff were…"
"Boxcar Coffee Shop in Edmonton absolutely lived up to the hype. It came highly recommended, and since I’m in town for a local event, I…"
Restaurants
Top 3 within 1.5 km"Amazing work and a great job by the team here! I’m very particular about my food and had several specific requests and alterations for…"
"Me and my partner keeps coming back for their amazing poutine and burgers. The cashier is very friendly towards us and customers. We’ve…"
"First things first, the food here is delicious. My friend and I have been stranded here because our rental car broke down. The kind…"
Parks & green
Top 2 within 1.5 km"Grand Trunk Park, where open spaces and convenient proximity to the Leisure Centre create a delightful recreational experience. This…"
"Nice area close to a lake and green space. Some interesting information on an information board about the Bedford Basin."
Recreation
Top 1 within 1.5 kmGrocery
Top 3 within 1.5 km"All items there are Halal, variety of products, specially the Arabic ones. Diary and meats are also available and fresh. 2 branches are…"
"Amazing fresh seafood and great service!"
"Missing items, expired food, and rotten onions in a single order. This raises serious concerns about product quality, food safety, and…"
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