For sale · MLS® 1305015
5-7 Marsh Road
Conception Harbour, NL, A0A1Z0
List price
$189,900
About this propertyMLS® 1305015
Conception Harbour investment opportunity! This property is directly behind the Post Office off the main highway. The community sits between Avondale and Colliers and is minutes away from Historic Brigus and Cupids, and about 40 minutes from St. John's. The package consists of a larger main house with main floor living room, dining room, kitchen and large back porch. The second floor has two bedrooms and a bathroom. The cottage has two bedrooms, bathroom, and open concept living room, dining room & kitchen area. The cottage has a second level waiting to be developed. The big clincher is the incredible barn measuring 18X 40 with an approximate 16 foot ceiling. An oversized piece of land would be great for another property or extra privacy! The possibilities for this incredible property includes AirBnB, private dwelling, cottage rental and commercial storage just to name a few. (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
| Other | Living room/Dining room Kitchen Bedroom Bedroom | 16.5x19 · 314 sqft 3pc 9.5x11 · 105 sqft 9.5x11 · 105 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom | 3pc 9x11 · 99 sqft 10.5x11 · 116 sqft |
| Main level | Kitchen Dining room Living room | 18x9 · 162 sqft 13x9 · 117 sqft 16x11 · 176 sqft |
The neighbourhood
Conception Harbour at a glance
Live market stats for Conception Harbour — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
10
Median list price
$160k
Price range
$30k – $1.1M
Typical build
1971
Average size
1,358 sqft
Where Conception Harbour listings are priced
Every active list price in Conception Harbour, grouped into bands.
List price, thousands of $ · 10 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 7 |
| 200–300 | 2 |
| 1M+ | 1 |
How Conception Harbour compares
Median list price against the next biggest markets — click a row for that area guide.
Conception Harbournearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
19 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.
Flood & zoning are mapped for St. John's only
Property tax
$375 / year
≈ $31 / month
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 · 3 routes · 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.
- 53 min to downtown St. John's60.1 km
- 53 min to Memorial University59.4 km
- 58 min to Avalon Mall66.2 km
Nothing mapped within 1.5 km of this address.
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
$260/mo
Est. winter heating (electricity) — about $781 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,200 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: $67,898
Closing costs + five years of running costs + 60 mortgage payments on a $189,900 home.
If rates rise 2 points
$10,850 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$858
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$37,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,562
- Property taxfrom the feed$375
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $15,185
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $997 | $77,340 | needs mortgage insurance (not modelled) |
| 10% | $944 | $74,193 | needs mortgage insurance (not modelled) |
| 20% | $839 | $67,898 | 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%$839/mo
- Today, posted2026-10-28 · 6.19%$997/mo
- 5 years ago2021-11-03 · 4.79%$870/mo
- 10 years ago2016-11-02 · 4.64%$857/mo
At 6.19% — five years ago — the same mortgage would have cost $157 more each month than at today's posted rate.
Principal & interest only: $151,920 (80% of the $189,900 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.
Monthly carrying cost
$796/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
$32/mo
Principal & interest $0 + property tax $32 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-237
NOI / month
$-237
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $32 | $375 |
| Expenses | $206 | $2,472 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-237 | $-2,844 |
| NOI | $-237 | $-2,844 |
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
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