For sale · MLS® 1305083
392 Beachy Cove Road
Portugal Cove-St. Philip's, NL, A1M0B4
List price
$609,900
About this propertyMLS® 1305083
Welcome to 392 Beachy Cove Road, a contemporary split-entry plan sitting on the doorstep of Beachy Cove Elementary in the growing community of Portugal Cove St. Philips. This 3 bed, 2-bath family home has a great open-concept main floor layout with a spacious foyer, family room, kitchen with a large island, and dining space with access to the rear patio. The master bedroom is spacious with a walk-in closet and full ensuite; 2 additional bedrooms are located away from the main living space, and there will be a full main bath. The basement will be wide open for future development for a family room and two additional bedrooms for growing families or in-law living. Double paved driveway and front hydroseed landscaping included. A single-head mini-split heat pump is included and there will be an 8-year LUX New Home Warranty. Purchase price includes HST with rebate back to the builder. Allowances: Flooring, hardwood stairs, railings $20,000, Cabinets 15,000. Lighting 2,000. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
| Basement | Family room Laundry room | 13'x16'4"" 8'x7'5"" |
| Main level | Bath (# pieces 1-6) Ensuite Bedroom Primary Bedroom Living room Kitchen | 3pc 3pc 10'6""x10'6"" 13'x13' 13'x14' 9'x14' |
| Lower level | Bedroom | 10'6""x10'6"" |
The neighbourhood
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
$392k
Price range
$35k – $1.2M
Typical build
2001
Average size
3,002 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 | 19 |
| 200–300 | 7 |
| 300–400 | 7 |
| 400–500 | 9 |
| 500–750 | 11 |
| 750–1M | 7 |
| 1M+ | 4 |
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 for this exact address.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
106 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 5:00 p.m.
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
3 places shown · 3 routes · OpenStreetMap · OSRM
- 23 min to downtown St. John's18 km
- 19 min to Memorial University14.6 km
- 12 min to Avalon Mall7.4 km
Schools 3
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
$201/mo
Est. winter heating (heat pump electricity) — about $604 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,321 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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $177,304
Closing costs + five years of running costs + 60 mortgage payments on a $609,900 home.
If rates rise 2 points
$34,846 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$2,538
- 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)$1,208
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $11,540
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,201 | $207,627 | needs mortgage insurance (not modelled) |
| 10% | $3,032 | $197,519 | needs mortgage insurance (not modelled) |
| 20% | $2,695 | $177,304 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-03), 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.
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 rate2026-11-03 · 4.44%$2,695/mo
- Today, posted2026-10-28 · 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 $505 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 2026-10-28. 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.
Price ghosts
$/sqft vs 34 active
Priced at the 82nd percentile of active Portugal Cove-St. Philip's homes
$263/sqft — city median $228/sqft.
Errand score
walk-time weighted
16
school 300 m
Nearest errand: Beachy Cove Elementary (school) — 300 m, about 4 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 · 300 mBeachy Cove Elementary
- Grocery nearby?No grocery mapped within 1.5 km
- 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
$2,455/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
$0/mo
Principal & interest $0 per month
Financing breakdown
Rental math
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.
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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