63 Peggy Deane Drive
Portugal Cove-St. Philip's, NL, A1M0H7
List price
$799,900
About this propertyMLS® 1303397
Ready after Valentines Day! Welcome to this beautiful new family home in the sought-after community of Portugal Cove-St. Philip's, where modern design meets peaceful surroundings. Designed with family living in mind, this spacious two-storey home features 3 generous bedrooms on the upper level, including a stunning primary suite complete with a walk-in closet and a spa-inspired 5-piece ensuite featuring a relaxing soaker tub. A convenient walk-in laundry room on the second floor makes everyday living that much easier. The main level offers a bright, open-concept layout that's perfect for entertaining or spending time together. The kitchen is the heart of the home, showcasing a large island with seating for four, a pantry, and plenty of workspace for cooking and gathering. The adjoining living room is warm and inviting with large windows overlooking the backyard. Step outside onto the rear deck and enjoy the natural wetlands and treed backyard. A spacious front foyer provides excellent storage, while an additional flex room on the main floor offers endless possibilities as a home office, playroom, formal dining room, or den. Situated on an oversized lot, there's plenty of room for children to play, outdoor entertaining, and even the future addition of a detached garage. The basement is ready for your vision with plumbing in place for a future bathroom and additional access from the garage as well making it convenient for moving items to and from the storage area. Located just minutes from schools, walking trails, the airport, and only a short drive to St. John's, this exceptional property offers the perfect balance of convenience, space, and natural beauty. Don't miss your chance to call this stunning new home your own!
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
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.
3 rooms are 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
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom Laundry room | 4 Piece 12.6 x 12 · 151 sqft 12 x 13.7 · 164 sqft 5 Piece 14.10 x 15.2 · 214 sqft 10 x 6.1 · 61 sqft |
| Main level | Living room Dining room Kitchen Bath (# pieces 1-6) Den Foyer | 16.1 x 21.10 · 340 sqft 11 x 9.3 · 102 sqft 11 x 12 · 132 sqft 2 Piece 13.10 x 12 · 157 sqft 10.8 x 9.5 · 103 sqft |
Portugal Cove-St. Philip's at a glance
Live market stats for Portugal Cove-St. Philip's: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
63
Median list price
$400k
Price range
$35k – $1.2M
Typical build
2005
Average size
3,147 sqft
Where Portugal Cove-St. Philip's listings are priced
Every active list price in Portugal Cove-St. Philip's, grouped into bands.
List price, thousands of $ · 63 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 18 |
| 200–300 | 8 |
| 300–400 | 6 |
| 400–500 | 8 |
| 500–750 | 11 |
| 750–1M | 10 |
| 1M+ | 2 |
How Portugal Cove-St. Philip's compares
Median list price against the next biggest markets. Click a row for that area guide.
Portugal Cove-St. Philip'snearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
157 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 9:30 a.m.
Property tax
$5,279 / year
≈ $440 / month
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S 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: $280,033
Closing costs + five years of running costs + 60 mortgage payments on a $799,900 home.
If rates rise 2 points
$46,573 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$3,298
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$159,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,490
- Property taxfrom the feed$5,279
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $54,345
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $4,372 | $321,450 | needs mortgage insurance (not modelled) |
| 10% | $4,142 | $307,644 | needs mortgage insurance (not modelled) |
| 20% | $3,681 | $280,033 | 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 31 active
Priced at the 58th percentile of active Portugal Cove-St. Philip's homes
$232/sqft, city median $230/sqft.
Winter warmer
Jan–Mar · estimate
$748/mo
Est. winter heating (electricity): about $2,245 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,450 sqft. Severity 1.00× St. John's from the ST JOHN'S 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%$3,681/mo
- Today, posted2026-11-04 · 6.19%$4,198/mo
- 5 years ago2021-11-03 · 4.79%$3,663/mo
- 10 years ago2016-11-02 · 4.64%$3,608/mo
At 6.19%, five years ago, the same mortgage would have cost $516 more each month than at today's posted rate.
Principal & interest only: $639,920 (80% of the $799,900 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.
Ask this listing
open data · 1 question
- In the 100-year floodplain?No, outside itCity of St. John's flood map
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
$3,813/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$440/mo
Principal & interest $0 + property tax $440 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-999
NOI / month
$-999
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $440 | $5,279 |
| Expenses | $560 | $6,720 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-999 | $-11,988 |
| NOI | $-999 | $-11,988 |
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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- Call or text416-873-4676
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty