For sale · MLS® 1305044
28 Lions Crescent Unit#11
Topsail, NL, A1W4M2
List price
$499,900
About this propertyMLS® 1305044
Walk on the beach every day and come home to views of Conception Bay. This waterside townhome in sunny Topsail offers a coastal lifestyle that’s hard to match—just minutes from St. John’s, yet with the ocean virtually at your doorstep. Watch whales, icebergs and seabirds cross your path, take in spectacular sunsets over the bay, and make morning coffee on the deck or an evening walk along the beach part of everyday life. At this price, there simply isn’t a typical city townhome that compares with the setting, features and square footage offered here. The open-concept main floor features nine-foot ceilings and is designed around the water views. The spacious kitchen and dining area offers an island, birch cabinetry, stainless-steel appliances and a walk-in pantry, flowing into a waterside living room where expansive windows bring Conception Bay right into the home. Upstairs, the primary suite is a true retreat with vaulted ceilings, a custom walk-in closet and an ensuite featuring a jetted tub and custom glass shower. Two additional bedrooms, a full bathroom and convenient second-floor laundry complete this level. The finished lower level adds even more living space with a waterside rec room, half bath, storage and a private heated garage. Outside, enjoy three private decks and a front-row seat to the ever-changing scenery of Conception Bay. Upgrades include maple and ceramic flooring, a custom hardwood staircase, crown mouldings, pot lights, audio pre-wire and more. ICF concrete-and-foam dividing walls provide excellent sound separation and energy efficiency. Previously condominium units, these are now individually owned single-family homes, with a Homeowners Association providing lawn care, garbage removal and snow clearing for just $200/month. See the interactive floor plan! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
View rooms as table
| Lower level | Other Bath (# pieces 1-6) Recreation room | 12x22 · 264 sqft 4x5 · 20 sqft 12.3x20.7 · 255 sqft |
| Second level | Bedroom Bedroom Laundry room Bath (# pieces 1-6) Storage Ensuite Primary Bedroom | 10.5x12.6 · 132 sqft 9.1x12.7 · 116 sqft 5.1x6.9 · 35 sqft 5.7x9 · 51 sqft 3.9x9 · 35 sqft 8.1x8.9 · 72 sqft 11.8x13 · 153 sqft |
| Main level | Not known Bath (# pieces 1-6) Dining nook Kitchen Living room | 6.6x7.11 · 47 sqft 4x5 · 20 sqft 7.5x12.1 · 91 sqft 12.1x20.1 · 243 sqft 13.1x19.8 · 259 sqft |
The neighbourhood
Topsail at a glance
Live market stats for Topsail — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
2
Median list price
$500k
Price range
$500k – $500k
Typical build
2008
Average size
2,265 sqft
Where Topsail listings are priced
Every active list price in Topsail, grouped into bands.
List price, thousands of $ · 2 homes
View as table
| Price band ($) | Listings |
|---|---|
| 400–500 | 2 |
How Topsail compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
5 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:00 p.m.
Property tax
$4,500 / year
≈ $375 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
12 places shown · 3 routes · OpenStreetMap · OSRM
- 21 min to downtown St. John's24.7 km
- 22 min to Memorial University24 km
- 27 min to Avalon Mall30.8 km
Schools 8
Groceries 2
Parks 2
Cost & context
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.
Winter warmer
Jan–Mar · estimate
$491/mo
Est. winter heating (electricity) — about $1,474 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,265 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $178,895
Closing costs + five years of running costs + 60 mortgage payments on a $499,900 home.
If rates rise 2 points
$28,562 more over five years if the rate is 6.44% instead of 4.44% — P&I only.
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$2,098
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$99,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,948
- Property taxfrom the feed$4,500
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $42,740
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,624 | $203,750 | needs mortgage insurance (not modelled) |
| 10% | $2,485 | $195,465 | needs mortgage insurance (not modelled) |
| 20% | $2,209 | $178,895 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-02), 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.
Rate time machine
same house · same down payment
Same house, same down payment — your payment today at 4.44%best market rate · posted was 6.19%
- Today, best market rate2026-11-02 · 4.44%$2,209/mo
- Today, posted2026-10-28 · 6.19%$2,623/mo
- 5 years ago2021-11-03 · 4.79%$2,289/mo
- 10 years ago2016-11-02 · 4.64%$2,255/mo
At 6.19% — five years ago — the same mortgage would have cost $414 more each month than at today's posted rate.
Principal & interest only: $399,920 (80% of the $499,900 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 2026-10-28. 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.
Errand score
walk-time weighted
25
grocery 930 m, school 440 m
Nearest errand: School (school) — 440 m, about 6 min on foot.
Walk-time-weighted from OpenStreetMap + ODEF school data; straight-line distance at 4.8 km/h. Weights: grocery 1.0, school 0.9, health 0.8, park 0.4, café 0.35, bus 0.3 — nearest place per category only. Half-value every 6 minutes of walking; nothing scores past a 15-minute walk. 100 = every category at the door. This is a mapping of what's drawn on the map, not a survey of what exists.
Ask this listing
open data · 4 questions
- School within 1 km?Yes · 440 mSchool
- Grocery nearby?Yes · 930 mMaries Mini Mart
- Bus stop?No bus stop mapped within 800 m
- 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
$2,387/mo
Plan ahead
Calculators
Estimate payments and returns before you make an offer — all in one place.
Plan ahead
Mortgage & investment calculator
Estimated monthly payment
$375/mo
Principal & interest $0 + property tax $375 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-625
NOI / month
$-625
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $375 | $4,500 |
| Expenses | $250 | $3,000 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-625 | $-7,500 |
| NOI | $-625 | $-7,500 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Get in touch
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
A real person, every time
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
Your details go straight to Haris — never shared, never spammed.