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!!
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
1 room is grey + dashed at the average size because the listing gives no dimensions. Never compare their size to a coloured room.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
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 |
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 scores for this exact address.
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 10:30 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 · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet. Dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet. OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
Nothing mapped within 1.5 km of this address.
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $62,366
Closing costs + five years of running costs + 60 mortgage payments on a $159,000 home.
If rates rise 2 points
$9,258 more over five years if the rate is 6.84% instead of 4.84% (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)$1,444
- Property taxfrom the feed$701
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $16,225
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $869 | $70,599 | needs mortgage insurance (not modelled) |
| 10% | $823 | $67,855 | needs mortgage insurance (not modelled) |
| 20% | $732 | $62,366 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 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.
Price ghosts
$/sqft vs 10 active
Priced at the 80th percentile of active Stephenville Crossing homes
$152/sqft, city median $119/sqft.
Winter warmer
Jan–Mar · estimate
$241/mo
Est. winter heating (electricity): about $722 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,044 sqft. Severity 1.06× St. John's from the STEPHENVILLE A station 1981–2010 normal. Jan–Mar only; excludes HST, hot water, cooking and any cooling.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$732/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 $103 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.
Monthly carrying cost
$729/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$59/mo
Principal & interest $0 + property tax $59 per month
Financing breakdown
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.
Have a question?
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Talk to Haris
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty