12 Churchill Avenue
Trinity Bay North, NL, A0C1J0
List price
$178,000
About this propertyMLS® 1295892
Welcome to your perfect coastal escape in beautiful Catalina! This fully renovated bungalow is ideally located just minutes from the main harbour and a short drive to Bonavista, Port Rexton, and Trinity—placing you in the heart of one of Newfoundland’s most sought-after coastal regions. Step inside to a bright, open-concept living space designed to maximize natural light, featuring oversized windows that capture lovely ocean views from select vantage points. The thoughtfully updated interior includes two spacious bedrooms and a modern, stylish bathroom—perfect for comfortable everyday living or hosting guests. Step outside to your expansive wrap-around patio, ideal for entertaining or relaxing while enjoying the fresh ocean air. Complete with a private hot tub, this outdoor space offers the perfect place to unwind after a day exploring the nearby harbour, hiking trails, and scenic communities. Every detail of this home has been carefully upgraded, offering a true turnkey opportunity. Previously operated as a highly successful Airbnb, this property presents an excellent income-generating opportunity while also being perfectly suited as a year-round residence, cozy coastal retreat, or vacation home. Whether you’re looking for a place to call home, a peaceful getaway, or a proven investment, this Catalina gem truly has it all.
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.
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 | Laundry room Porch Bedroom Primary Bedroom Living room Kitchen | 6x9.5 · 57 sqft 6x7.5 · 45 sqft 10x13 · 130 sqft 11x13 · 143 sqft 12x24.5 · 294 sqft 12x12 · 144 sqft |
Trinity Bay North at a glance
Live market stats for Trinity Bay North: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
3
Median list price
$178k
Price range
$85k – $250k
Typical build
1957
Average size
1,202 sqft
Where Trinity Bay North listings are priced
Every active list price in Trinity Bay North, grouped into bands.
List price, thousands of $ · 3 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 1 |
How Trinity Bay North compares
Median list price against the next biggest markets. Click a row for that area guide.
Trinity Bay Northnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
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Location, air, flood & taxes
Elevation
9 m
0300 mmetres above sea level
Flood, zoning & air quality are mapped for St. John's only
Property tax
$2,400 / year
≈ $200 / month
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: $71,824
Closing costs + five years of running costs + 60 mortgage payments on a $178,000 home.
If rates rise 2 points
$10,364 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$810
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$35,600
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$572
- Property taxfrom the feed$2,400
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $20,360
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $973 | $81,041 | needs mortgage insurance (not modelled) |
| 10% | $922 | $77,968 | needs mortgage insurance (not modelled) |
| 20% | $819 | $71,824 | 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.
Winter warmer
Jan–Mar · estimate
$95/mo
Est. winter heating (heat pump electricity): about $286 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,100 sqft. Climate severity defaults to the St. John's normal (no station nearby). 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%$819/mo
- Today, posted2026-11-04 · 6.19%$934/mo
- 5 years ago2021-11-03 · 4.79%$815/mo
- 10 years ago2016-11-02 · 4.64%$803/mo
At 6.19%, five years ago, the same mortgage would have cost $115 more each month than at today's posted rate.
Principal & interest only: $142,400 (80% of the $178,000 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
$951/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$200/mo
Principal & interest $0 + property tax $200 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-223
NOI / month
$-223
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $200 | $2,400 |
| Expenses | $23 | $276 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-223 | $-2,676 |
| NOI | $-223 | $-2,676 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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