For sale · MLS® 1305068
170 Cumberland Crescent
St. John's, NL, A1B3M5
List price
$249,900
As per Seller's Direction, no conveyance of offers until 5pm October 9th, with offers to be left open until 10pm, Oct.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1305068
Some homes have a way of surprising you, and 170 Cumberland Cres is one of them. This three-level attached home offers the convenience of an attached garage, practical living spaces and a beautifully maintained interior, but the real surprise is waiting out back. Tucked behind the home is a charming garden retreat with all the appeal of a secret garden, creating a peaceful outdoor space that feels like a little escape from the everyday. The ground level offers the convenience of entering directly from the attached garage, along with a dedicated laundry room and additional space that can serve a variety of everyday needs. Head upstairs and you’ll find a bright, welcoming main living area where the updated kitchen features crisp white cabinetry and striking black quartz countertops. The kitchen flows into the dining area, with access to the backyard just beyond. The living room overlooks the street through bright windows, creating an inviting place to relax and enjoy the natural light. Beautiful hardwood floors carry throughout the main floor, reflecting the care and attention that have been given to this home over the years. Upstairs are three bedrooms, a comfortable primary bedroom, two additional bedrooms and the full bath. The layout offers a practical separation between the living and sleeping spaces, making everyday life feel organized and comfortable. This home is a testament to the care its previous owner took in maintaining and enjoying her space. From the beautifully kept hardwood floors to the thoughtfully cared-for outdoor setting, there is a sense of pride throughout that is easy to appreciate. As per Seller's Direction, no conveyance of offers until 5pm October 9th, with offers to be left open until 10pm, Oct. 9th. (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
| Third level | Bath (# pieces 1-6) Primary Bedroom Bedroom Bedroom | 3pcs 12.3x12.4 · 153 sqft 7.8x11.7 · 91 sqft 7.9x9.3 · 73 sqft |
| Second level | Living room/Fireplace Dining room Kitchen | 12.3x16.7 · 205 sqft 14.6x7.8 · 114 sqft 10.3x7.10 · 73 sqft |
| Main level | Laundry room | 10.2x15.7 · 160 sqft |
The neighbourhood
St. John's at a glance
Live market stats for St. John's — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
456
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,628 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 385 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 55 |
| 300–400 | 103 |
| 400–500 | 56 |
| 500–750 | 66 |
| 750–1M | 31 |
| 1M+ | 35 |
How St. John's 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
Zoning
3.52 ha parcel
Elevation
111 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
$1,556 / year
≈ $130 / 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
41 places shown · 3 routes · OpenStreetMap · OSRM
- 8 min to downtown St. John's4.5 km
- 6 min to Memorial University2.9 km
- 14 min to Avalon Mall11.1 km
Schools 10
Health 4
Groceries 6
Cafés 5
Parks 3
Bus stops 13
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
$312/mo
Est. winter heating (electricity) — about $937 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,440 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: $91,513
Closing costs + five years of running costs + 60 mortgage payments on a $249,900 home.
If rates rise 2 points
$14,278 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$1,098
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$49,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,874
- Property taxfrom the feed$1,556
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $22,650
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,312 | $103,938 | needs mortgage insurance (not modelled) |
| 10% | $1,242 | $99,797 | needs mortgage insurance (not modelled) |
| 20% | $1,104 | $91,513 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-04), 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 rate2026-11-04 · 4.44%$1,104/mo
- Today, posted2026-11-04 · 6.19%$1,311/mo
- 5 years ago2021-11-03 · 4.79%$1,144/mo
- 10 years ago2016-11-02 · 4.64%$1,127/mo
At 6.19% — five years ago — the same mortgage would have cost $207 more each month than at today's posted rate.
Principal & interest only: $199,920 (80% of the $249,900 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.
Price ghosts
$/sqft vs 327 active
Priced at the 37th percentile of active St. John's homes
$174/sqft — city median $192/sqft.
Errand score
walk-time weighted
57
grocery 140 m, school 470 m
Nearest errand: Marie's Mini Mart (grocery) — 140 m, about 2 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 · 5 questions
- School within 1 km?Yes · 470 mLeary's Brook Junior High
- Grocery nearby?Yes · 140 mMarie's Mini Mart
- Bus stop?Yes · 180 mThorburn Rd - Maries Mini Mart
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R2 — R23.52 ha parcel
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
$1,271/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
$130/mo
Principal & interest $0 + property tax $130 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-312
NOI / month
$-312
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $130 | $1,556 |
| Expenses | $183 | $2,196 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-312 | $-3,744 |
| NOI | $-312 | $-3,744 |
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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