17 Hilltop Lane
Portugal Cove-St. Philip's, NL, A1M2W5
List price
$275,000
As per the seller's direction there will be no conveyance of offers until 2:00pm on Sept 28 / 26 and left open until 7:00pm the same day.
Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1303507
Welcome to 17 Hilltop Lane in the community of Portugal Cove. This nice bungalow sits on an oversized service lot in a great neighborhood. The main floor consists of an open concept living and dining room. There is a nice kitchen with plenty of cabinets and counter space. Down the hall you will find a large primary bedroom that once was two bedrooms, and easily able to converted back into two. There is a main bathroom and the other bedroom in the rear of the house. In the basement you will find a large rec room, plus a family room with a wood fireplace. There is also a half bathroom and laundry room. Plus a large storage room with a woodstove. Outside you will find a 20x25 detached garage and nice size backyard. This would make a great starter home or for someone looking to downsize. As per the seller's direction there will be no conveyance of offers until 2:00pm on Sept 28 / 26 and left open until 7:00pm the same day.
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.
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
| Basement | Storage Laundry room Bath (# pieces 1-6) Family room Recreation room | 8.2 x 24.4 · 200 sqft 5.8 x 10.9 · 63 sqft 5.0 x 6.0 · 30 sqft 11.4 x 12.6 · 144 sqft 11.5 x 21.7 · 250 sqft |
| Main level | Bedroom Primary Bedroom Bath (# pieces 1-6) Kitchen Dining room Living room | 9.3 x 11.6 · 108 sqft 9.11 x 19.3 · 176 sqft 5.1 x 11.5 · 59 sqft 11.5 x 11.7 · 135 sqft 8.3 x 10.6 · 88 sqft 11.5 x 11.7 · 135 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
64
Median list price
$400k
Price range
$35k – $1.2M
Typical build
2005
Average size
3,228 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 $ · 64 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+ | 3 |
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
Elevation
115 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,850 / year
≈ $154 / 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: $106,918
Closing costs + five years of running costs + 60 mortgage payments on a $275,000 home.
If rates rise 2 points
$16,011 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$1,198
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$55,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,706
- Property taxfrom the feed$1,850
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $28,280
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,503 | $121,157 | needs mortgage insurance (not modelled) |
| 10% | $1,424 | $116,411 | needs mortgage insurance (not modelled) |
| 20% | $1,266 | $106,918 | 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 32 active
Priced at the 6th percentile of active Portugal Cove-St. Philip's homes
$132/sqft, city median $227/sqft.
Winter warmer
Jan–Mar · estimate
$451/mo
Est. winter heating (electricity): about $1,353 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,080 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%$1,266/mo
- Today, posted2026-11-04 · 6.19%$1,443/mo
- 5 years ago2021-11-03 · 4.79%$1,259/mo
- 10 years ago2016-11-02 · 4.64%$1,240/mo
At 6.19%, five years ago, the same mortgage would have cost $177 more each month than at today's posted rate.
Principal & interest only: $220,000 (80% of the $275,000 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
$1,314/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$155/mo
Principal & interest $0 + property tax $155 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-343
NOI / month
$-343
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $155 | $1,850 |
| Expenses | $189 | $2,268 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-343 | $-4,116 |
| NOI | $-343 | $-4,116 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
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Keller Williams Platinum Realty