For sale · MLS® 1305047
31 Emberleys Road
Portugal Cove-St. Philip's, NL, A1M2Z2
List price
$450,000
About this propertyMLS® 1305047
With plenty of room for the whole family, this 3-bedroom, 2.5-bathroom home in Portugal Cove-St. Philip’s offers a great combination of space and functionality. The primary bedroom features a private ensuite, while the spacious rec room provides additional living space for relaxing, entertaining or family activities. An attached garage adds everyday convenience, and the larger lot offers plenty of outdoor space to enjoy. A deck off the kitchen provides an added bonus for outdoor living. A great opportunity for families looking for a home with room to grow! (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
| Basement | Laundry room Bath (# pieces 1-6) Recreation room Bedroom | 6x12 · 72 sqft 4x12 · 48 sqft 11x21 · 231 sqft 15x13 · 195 sqft |
| Main level | Not known Bedroom Ensuite Primary Bedroom Bath (# pieces 1-6) Living room Eat in kitchen | 9x11 · 99 sqft 9x11 · 99 sqft 7x5 · 35 sqft 11x12 · 132 sqft 7x5 · 35 sqft 14x21 · 294 sqft 16x14 · 224 sqft |
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
161 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.
Property tax
$2,469 / year
≈ $206 / month · assessment year 2026
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
2 places shown · 3 routes · OpenStreetMap · OSRM
- 22 min to downtown St. John's15.8 km
- 19 min to Memorial University13.6 km
- 9 min to Avalon Mall5.5 km
Groceries 1
Cafés 1
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
$162/mo
Est. winter heating (heat pump electricity) — about $486 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,868 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: $145,428
Closing costs + five years of running costs + 60 mortgage payments on a $450,000 home.
If rates rise 2 points
$25,711 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$1,898
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$90,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$972
- Property taxfrom the feed$2,469
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $22,705
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,362 | $167,802 | needs mortgage insurance (not modelled) |
| 10% | $2,237 | $160,344 | needs mortgage insurance (not modelled) |
| 20% | $1,989 | $145,428 | 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. 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%$1,989/mo
- Today, posted2026-10-28 · 6.19%$2,361/mo
- 5 years ago2021-11-03 · 4.79%$2,061/mo
- 10 years ago2016-11-02 · 4.64%$2,030/mo
At 6.19% — five years ago — the same mortgage would have cost $373 more each month than at today's posted rate.
Principal & interest only: $360,000 (80% of the $450,000 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 62nd percentile of active Portugal Cove-St. Philip's homes
$241/sqft — city median $228/sqft.
Ask this listing
open data · 4 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?Yes · 1.4 kmTriple D Video / Sears Pickup Location
- 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
$2,017/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
$206/mo
Principal & interest $0 + property tax $206 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-562
NOI / month
$-562
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $206 | $2,469 |
| Expenses | $357 | $4,284 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-562 | $-6,744 |
| NOI | $-562 | $-6,744 |
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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