8 ROYAL ST,
St. Albert, Alberta
This three-bedroom, three-bathroom duplex occupies a quiet corner of Riverside, one of St. Albert's most established enclaves. The two-storey layout offers functional separation across floors, while the freehold ownership ensures full title—no land lease, no landlord. Step outside and you're moments from neighbourhood parks and everyday shopping, the kind of proximity that turns errands into walks. Riverside itself carries the hallmarks of mature St. Albert living: tree-canopied streets, a low-traffic rhythm, and the confidence that comes with buying in a community families return to. At $445,000, this home threads a needle—more space than a condo, less upkeep than a detached estate—for buyers who want breathing room without compromise.
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 $206/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 $206/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 + $16,910 CMHC | $22,250 | $439,660 | $2,394 /mo | $104,000 | 4.34% · 25 yr |
10% + $12,416 CMHC | $44,500 | $412,916 | $2,249 /mo | $98,000 | 4.34% · 25 yr |
15% + $10,591 CMHC | $66,750 | $388,841 | $2,118 /mo | $93,000 | 4.34% · 25 yr |
20% | $89,000 | $356,000 | $1,968 /mo | $88,000 | 4.49% · 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 St. Albert.
You're a three-minute walk from Lacombe Lake Park, where the water catches morning light and dog walkers gather year-round along groomed trails that loop through old-growth spruce. Weekend mornings might mean picking up berries and fresh greens at H&W Produce, an eleven-minute stroll that locals treat as ritual rather than errand. When you don't feel like cooking, Nitza's Pizza is twelve minutes on foot—the kind of spot where staff remember your usual order by your third visit. This pocket of St. Albert moves at a neighbourhood pace, where errands double as social hours and green space feels like an extension of your backyard.
Restaurants
Top 2 within 1.5 km"Recently visited during their “pre-launch”, which may be of benefit as there are a few things here that can be improved. Most glaringly,…"
"The best pizza!!! We drive an hour just to pick up some pizzas to have for few days. The donair pizza is unforgettable. Once you have…"
Parks & green
Top 3 within 1.5 km"A great off leash, fenced, dog park."
"What a gorgeous surprise that we discovered after moving to the area. We ride our bikes to the lake and skip rocks and have a picnic.…"
"Excellent multi use trails, nice taller trees, and links into the St. Albert trail system. Very beautiful during all seasons, and well…"
Grocery
Top 2 within 1.5 km"Store is well laid out and easy to to walk around in. Everything is well laid out, produce fresh and the sure itself very clean. What…"
"I love coming here finding good deals on produce! Best in town! Every time I’m here products are neatly organized and staff are friendly…"
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