10 Papenburg Place
Portugal Cove-St. Philip's, NL, A1M0L2
List price
$699,900
About this propertyMLS® 1304793
Welcome to a signature piece of our community, The Porches. Built with families in mind and designed to actually make day-to-day living easier. From the street, the bold contrast and clean lines give it that sharp, modern look, but once you’re inside, it feels warm, comfortable, and easy to settle into. The main level is bright, open, and just works. The kitchen, dining, and living areas flow naturally, so whether it’s a quiet night in or a house full of people, everything feels connected. The kitchen sits right at the center with a functional island and great sightlines - because real life happens in these spaces, not just the staged photos. On the main, you’ve got three well-sized bedrooms, including a primary with its own ensuite, plus a full main bath. Now here’s where the home really starts to separate itself. The lower level is fully developed and gives you the kind of flexibility every growing family needs. There’s a large fourth bedroom, a full bathroom, a separate laundry area, and a spacious multi-purpose room that can be a theatre space, playroom, gym - whatever life throws at you next. The wet bar and rec room setup make it an ideal hangout zone, whether it’s for the kids or for having a few people over without taking over the main floor. And then there’s the part most people don’t see right away, but absolutely feel over time - this home is built with energy efficiency in mind. With R50 attic insulation, R29.5 exterior walls enhanced by rigid foam under the siding, and a mini-split heat pump, you’re getting a home that’s designed to be comfortable year-round and more cost-efficient to run in our Newfoundland climate. Seated proudly at the bulb of our featured cul-de-sac in one of the area’s most thoughtfully planned communities, this home offers a balance people are always chasing: modern design, practical layout, and space to grow into. It’s the kind of place that doesn’t just look good on day one… it keeps making sense the longer you live in it.
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.
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
| Lower level | Recreation room Family room Bedroom | 19.11x14.0 · 268 sqft 22.2x14.9 · 331 sqft 11.7x12.1 · 142 sqft |
| Main level | Ensuite Primary Bedroom Bedroom Bedroom Bath (# pieces 1-6) Not known Dining room Kitchen Living room | 5x13.7 · 69 sqft 12x14 · 168 sqft 10.6x10 · 106 sqft 10.6x10 · 106 sqft 5.11x9.7 · 50 sqft 4x5.3 · 21 sqft 15.10x10.3 · 156 sqft 17.3x11 · 190 sqft 15.3x13.7 · 210 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
125 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: $209,973
Closing costs + five years of running costs + 60 mortgage payments on a $699,900 home.
If rates rise 2 points
$40,751 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$2,898
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$139,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,360
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $12,300
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,825 | $246,212 | needs mortgage insurance (not modelled) |
| 10% | $3,624 | $234,133 | needs mortgage insurance (not modelled) |
| 20% | $3,221 | $209,973 | 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 91st percentile of active Portugal Cove-St. Philip's homes
$268/sqft, city median $227/sqft.
Winter warmer
Jan–Mar · estimate
$227/mo
Est. winter heating (heat pump electricity): about $680 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,613 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%$3,221/mo
- Today, posted2026-11-04 · 6.19%$3,673/mo
- 5 years ago2021-11-03 · 4.79%$3,205/mo
- 10 years ago2016-11-02 · 4.64%$3,157/mo
At 6.19%, five years ago, the same mortgage would have cost $452 more each month than at today's posted rate.
Principal & interest only: $559,920 (80% of the $699,900 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
$2,951/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
$-875
NOI / month
$-875
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $875 | $10,500 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-875 | $-10,500 |
| NOI | $-875 | $-10,500 |
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