53 Maggies Place
Portugal Cove-St. Philip's, NL, A1M3M1
List price
$609,900
About this propertyMLS® 1304752
Welcome to this beautifully designed two-storey home offering modern comfort, thoughtful functionality, and room to grow. The bright open-concept main floor is perfect for everyday living and entertaining, featuring a stylish kitchen with a large island with seating for three, pantry, spacious dining area, and inviting living room filled with natural light. A convenient powder room, oversized foyer with closet, and in-house garage complete the main level with practicality in mind. Upstairs, the spacious primary suite serves as a private retreat with a walk-in closet and ensuite featuring acrylic tub enclosure. Two additional guest bedrooms, a full bathroom, and second-floor laundry provide the ideal family-friendly layout. The undeveloped walk-out basement offers endless possibilities for future development and already includes plumbing for an additional bathroom. Situated on a quiet lot, this property offers added privacy and on the doorsteps of the new high school and soccer pitch and a peaceful setting to enjoy for years to come. Great family friendly neighbourhood with busing to all the schools including a new high school slated to open in 2027. Enjoy country living while only being ten minutes from the city.
Property details
More details
Overview
The home
Systems & utilities
Size & land
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 | 4 Piece 12 x 10.3 · 124 sqft 12.6 x 10.3 · 130 sqft 4 Piece 13.1 x 15 · 197 sqft |
| Main level | Dining room Kitchen Living room Bath (# pieces 1-6) Foyer | 13.1 x 9.6 · 126 sqft 13.1 x 9.6 · 126 sqft 14 x 18.6 · 260 sqft 2 Piece 11.4 x 6 · 68 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
Flood (100-yr)
outside the mapped floodplain
Elevation
162 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.
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: $195,150
Closing costs + five years of running costs + 60 mortgage payments on a $609,900 home.
If rates rise 2 points
$35,511 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$2,538
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$121,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,438
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $22,690
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,333 | $226,729 | needs mortgage insurance (not modelled) |
| 10% | $3,158 | $216,203 | needs mortgage insurance (not modelled) |
| 20% | $2,807 | $195,150 | 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. No property tax on record; that line is omitted. 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 56th percentile of active Portugal Cove-St. Philip's homes
$231/sqft, city median $227/sqft.
Winter warmer
Jan–Mar · estimate
$573/mo
Est. winter heating (electricity): about $1,719 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,642 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%$2,807/mo
- Today, posted2026-11-04 · 6.19%$3,201/mo
- 5 years ago2021-11-03 · 4.79%$2,793/mo
- 10 years ago2016-11-02 · 4.64%$2,751/mo
At 6.19%, five years ago, the same mortgage would have cost $394 more each month than at today's posted rate.
Principal & interest only: $487,920 (80% of the $609,900 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
$2,572/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$0/mo
Principal & interest $0 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-763
NOI / month
$-763
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $763 | $9,156 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-763 | $-9,156 |
| NOI | $-763 | $-9,156 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty