For sale · MLS® 1295041
15 - 15A Church Street
Stephenville Crossing, NL, A0N2C0
List price
$159,000
About this propertyMLS® 1295041
Located just across the street from the beach and ocean in Stephenville Crossing, this 3 bedroom, 1 bath bungalow offers an opportunity for buyers looking for a renovation project in a beautiful coastal setting. The property requires repairs and improvements, including work to the foundation, exterior siding and other areas, making it an ideal opportunity for someone with the vision, skills and resources to take on a project. The home features a low basement where the laundry room is located. Previous upgrades completed in 2018 include 200-amp electrical service, hot water tank, some vinyl windows, plumbing updates, shingles and two exterior doors. Situated just steps from the shoreline, this property offers an attractive location for those looking to create a year round residence, vacation getaway or investment property. Conveniently located within minutes of local shopping and approximately 10–15 minutes from the Town of Stephenville. The sale includes two additional blocks of land, being sold together with the property, for a total approximate measurement of 220’ x 98’. Fridge and stove are included. BUYER INCENTIVE: Vendor is offering to pay the Purchaser’s legal fees on closing day!! The home originated as a storage building from the former American military base and was relocated to this property, where it was placed on a foundation. A living room addition and porch were later constructed, providing additional living space. FIXER UPPER WITH OCEAN VIEWS – SOLD AS IS, WHERE IS!! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
View rooms as table
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom Living room Dining nook Kitchen Porch | 4pc 9 x 12 · 108 sqft 9 x 11.10 · 100 sqft 9 x 12.10 · 109 sqft 12 x 18 · 216 sqft 9 x 11 · 99 sqft 9 x 13 · 117 sqft 7 x 8 · 56 sqft |
The neighbourhood
Stephenville Crossing at a glance
Live market stats for Stephenville Crossing — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
15
Median list price
$199k
Price range
$25k – $549k
Typical build
1971
Average size
2,283 sqft
Where Stephenville Crossing listings are priced
Every active list price in Stephenville Crossing, grouped into bands.
List price, thousands of $ · 15 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 10 |
| 200–300 | 3 |
| 300–400 | 1 |
| 500–750 | 1 |
How Stephenville Crossing compares
Median list price against the next biggest markets — click a row for that area guide.
Stephenville Crossingnearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
9 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 1 · Low risk · Corner Brook · updated 2:00 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$701 / year
≈ $58 / month · assessment year 2026
Climate
Feb -3° · Aug 21°
normal daily high · STEPHENVILLE A station
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
6 places shown · OpenStreetMap · OSRM
Schools 4
Groceries 1
Parks 1
Cost & context
What this home really costs
Winter heat, five years of ownership, how this price sits against the market, and what the map says is within walking distance — every figure captioned with its assumptions.
Winter warmer
Jan–Mar · estimate
$226/mo
Est. winter heating (electricity) — about $679 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,044 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $60,191
Closing costs + five years of running costs + 60 mortgage payments on a $159,000 home.
If rates rise 2 points
$9,084 more over five years if the rate is 6.44% instead of 4.44% — P&I only.
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$734
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$31,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,358
- Property taxfrom the feed$701
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $15,795
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $834 | $68,096 | needs mortgage insurance (not modelled) |
| 10% | $791 | $65,461 | needs mortgage insurance (not modelled) |
| 20% | $703 | $60,191 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-06), 25-year amortization, P&I only. Land transfer fee: Registry of Deeds schedule ($100 + $0.40/$100 over $500, cap $5,000). Legal $1,500 and insurance $1,100/yr (NL range $700–$1,500) are estimates. Heating is 2× the Jan–Mar winter estimate. 5-year all-in = closing costs + 5 years of running costs + 60 mortgage payments; it excludes CMHC insurance (needed below 20% down), utilities other than heat, and maintenance.
Rate time machine
same house · same down payment
Same house, same down payment — your payment today at 4.44%best market rate · posted was 6.19%
- Today, best market rate2026-11-06 · 4.44%$703/mo
- Today, posted2026-11-04 · 6.19%$834/mo
- 5 years ago2021-11-03 · 4.79%$728/mo
- 10 years ago2016-11-02 · 4.64%$717/mo
At 6.19% — five years ago — the same mortgage would have cost $132 more each month than at today's posted rate.
Principal & interest only: $127,200 (80% of the $159,000 asking price — 20% down), 25-year amortization. No taxes, insurance, fees, or mortgage insurance. Today's rate is the Bank of Canada conventional 5-year rate observed 2026-11-04. The 5- and 10-year rows are two documented observations of that same series (2021-11-03 = 4.79%, 2016-11-02 = 4.64%, retrieved 2026-11-01 from bankofcanada.ca/valet) — fixed reference points, not a modelled path between them. Estimate — not an offer of credit; your lender's rate will differ.
Price ghosts
$/sqft vs 10 active
Priced at the 80th percentile of active Stephenville Crossing homes
$152/sqft — city median $119/sqft.
Errand score
walk-time weighted
32
grocery 310 m, school 440 m
Nearest errand: Colemans (grocery) — 310 m, about 4 min on foot.
Walk-time-weighted from OpenStreetMap + ODEF school data; straight-line distance at 4.8 km/h. Weights: grocery 1.0, school 0.9, health 0.8, park 0.4, café 0.35, bus 0.3 — nearest place per category only. Half-value every 6 minutes of walking; nothing scores past a 15-minute walk. 100 = every category at the door. This is a mapping of what's drawn on the map, not a survey of what exists.
Ask this listing
open data · 3 questions
- School within 1 km?Yes · 440 mSchool
- Grocery nearby?Yes · 310 mColemans
- Bus stop?No bus stop mapped within 800 m
From OpenStreetMap + ODEF schools (straight-line distance) and the City of St. John's flood & zoning maps. Flood and zoning are mapped for St. John's only; elsewhere those questions don't appear because we don't know the answer.
Monthly carrying cost
$698/mo
Plan ahead
Calculators
Estimate payments and returns before you make an offer — all in one place.
Plan ahead
Mortgage & investment calculator
Estimated monthly payment
$59/mo
Principal & interest $0 + property tax $59 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-198
NOI / month
$-198
Cap rate
-1.49%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $59 | $701 |
| Expenses | $140 | $1,680 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-198 | $-2,376 |
| NOI | $-198 | $-2,376 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Get in touch
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
A real person, every time
Buying, selling, or just curious about what your home is worth — no call centres, no runaround.
- Call or text416-873-4676
- Emailharis@barki.co
- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty
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