For sale · MLS® 1305131
98 Bay Bull's Road
St. John's, NL, A1G1A5
List price
$339,900
Seller's direction
All offers must be left open for 24 Hours as per Sellers Direction.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305131
Welcome to 98 Bay Bulls Road! For over 40 years, one family has called this wonderful property home, creating countless memories while taking exceptional care of it along the way. Now, it's ready for its next chapter! Located in the west end of St. John's, just minutes from beautiful Bowring Park and convenient access to Pitts Memorial Highway, this true bungalow with a walkout basement offers an abundance of space, versatility, and potential. The main floor features a welcoming layout highlighted by a sunken living room with a cozy propane fireplace, creating the perfect space to relax or entertain. A recently installed mini-split provides energy-efficient heating and cooling, complemented by the comfort of hot water radiant oil heating. The home has been lovingly maintained over the years, with vinyl windows, vinyl siding, and shingles in excellent condition. The walkout basement offers plenty of additional space to grow into, with a layout that lends itself well to the possibility of an in-law suite or future apartment, subject to any necessary municipal approvals. Whether you're looking for a family home with room to grow, space for extended family, or an opportunity to explore future possibilities, this property offers incredible flexibility. Exceptionally well cared for and filled with over four decades of cherished memories, 98 Bay Bulls Road is ready to welcome a new family to make it their own! All offers must be left open for 24 Hours as per Sellers Direction. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
| Lower level | Bedroom Recreation room Recreation room | 10'9"" x 11'5"" 19'11"" x 22'10"" 16'6"" x 16'5"" |
| Main level | Eat in kitchen Kitchen Bedroom Bedroom Primary Bedroom Dining room Living room/Fireplace | 7'8"" x 10'0"" 12'0"" x 10'10"" 8'0"" x 10'10"" 10'11"" x 10'10"" 17'1"" x 10'0"" 10'0"" x 10'10"" 20'5"" x 12'0"" |
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
454
Median list price
$400k
Price range
$1.4k – $4.3M
Typical build
1975
Average size
3,643 sqft
Where St. John's listings are priced
Every active list price in St. John's, grouped into bands.
List price, thousands of $ · 384 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 39 |
| 200–300 | 54 |
| 300–400 | 104 |
| 400–500 | 57 |
| 500–750 | 64 |
| 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
1.08 ha parcel
Elevation
77 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
$2,576 / year
≈ $215 / 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
13 places shown · 3 routes · OpenStreetMap · OSRM
- 7 min to downtown St. John's6.4 km
- 13 min to Memorial University10 km
- 19 min to Avalon Mall16.7 km
Schools 4
Health 1
Groceries 2
Cafés 1
Parks 5
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
$793/mo
Est. winter heating (heating oil) — about $2,379 for January through March.
Estimate — not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,366 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: $135,258
Closing costs + five years of running costs + 60 mortgage payments on a $339,900 home.
If rates rise 2 points
$19,420 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$1,458
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$67,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,758
- Property taxfrom the feed$2,576
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $42,170
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,784 | $152,158 | needs mortgage insurance (not modelled) |
| 10% | $1,690 | $146,525 | needs mortgage insurance (not modelled) |
| 20% | $1,502 | $135,258 | 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%$1,502/mo
- Today, posted2026-10-28 · 6.19%$1,784/mo
- 5 years ago2021-11-03 · 4.79%$1,557/mo
- 10 years ago2016-11-02 · 4.64%$1,533/mo
At 6.19% — five years ago — the same mortgage would have cost $282 more each month than at today's posted rate.
Principal & interest only: $271,920 (80% of the $339,900 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 326 active
Priced at the 16th percentile of active St. John's homes
$144/sqft — city median $191/sqft.
Errand score
walk-time weighted
19
grocery 900 m, school 1.1 km
Nearest errand: Sesame Park (park) — 610 m, about 8 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?No school mapped within 1 km
- Grocery nearby?Yes · 900 mKilbride Circle K
- Bus stop?No bus stop mapped within 800 m
- In the 100-year floodplain?No — outside itCity of St. John's flood map
- Zoning?R1 — R11.08 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
$1,583/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
$215/mo
Principal & interest $0 + property tax $215 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-424
NOI / month
$-424
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $215 | $2,576 |
| Expenses | $210 | $2,520 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-424 | $-5,088 |
| NOI | $-424 | $-5,088 |
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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