For sale · MLS® 1305157
16 McCutcheons Road
Conception Bay South, NL, A1X7P3
List price
$399,900
About this propertyMLS® 1305157
*** NO SELLERS DIRECTION *** You know this is no ordinary subdivision home as you enter the private paved driveway! Hidden from the road on a treed ¾-acre lot, the impressive two-storey garage greets you before the house comes into view. Discover remarkable privacy, backyard access and parking for 8+ vehicles, boats or RVs! Inside, a huge open-concept living, dining and kitchen area with warm propane fireplace is perfect for entertaining and large family gatherings. That warmth continues throughout the entire home with wonderfully comfortable radiant in-floor heating and NEW electric furnace (2026). Three bedrooms include a primary opening onto a wraparound deck and covered hot tub (winterized). Downstairs offers a rec room, laundry and storage. Through its own entrance, discover a self-contained apartment with 2 oversized bedrooms, spacious living room, galley kitchen and bath. Great mortgage-helping potential! The huge double garage and ample parking offers exciting home-business possibilities, tons of storage or hobby potential. Then there is the second story loft, Amazing He/She Shed/ Man cave, play room or theatre. Amazing home features rarely seen at this price point. Don't delay, this one will not last. Both the Shingles, and paving were replaced in 2026. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
| Basement | Not known Not known Not known Bath (# pieces 1-6) Not known Not known Storage Laundry room Utility room Family room | 10'4"" x 7'3"" 6'7"" x 7' 15' x 11'3"" 5 PC 9'10"" x 10'3"" 11'5"" x 11'8"" 3'4"" x 4'10"" 8'3"" x 6'4"" 13'4"" X 6'4"" 13'3"" x 7'6"" |
| Main level | Bedroom Bedroom Bath (# pieces 1-6) Primary Bedroom Eat in kitchen Living room/Fireplace | 7'8"" X11'11"" 11'8"" X 10'10"" 4 PC 11'2"" X 11'11"" 13'4"" X 20'10"" 18"" 5""X 11'9"" |
The neighbourhood
Conception Bay South at a glance
Live market stats for Conception Bay South — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
138
Median list price
$317k
Price range
$50k – $5M
Typical build
2007
Average size
2,477 sqft
Where Conception Bay South listings are priced
Every active list price in Conception Bay South, grouped into bands.
List price, thousands of $ · 138 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 45 |
| 200–300 | 21 |
| 300–400 | 22 |
| 400–500 | 21 |
| 500–750 | 13 |
| 750–1M | 13 |
| 1M+ | 3 |
How Conception Bay South compares
Median list price against the next biggest markets — click a row for that area guide.
Conception Bay Southnearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
50 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
$2,667 / year
≈ $222 / month · assessment year 2026
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
8 places shown · 3 routes · OpenStreetMap · OSRM
- 24 min to downtown St. John's28.7 km
- 25 min to Memorial University28 km
- 30 min to Avalon Mall34.7 km
Schools 4
Health 2
Groceries 1
Parks 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
$489/mo
Est. winter heating (electricity) — about $1,468 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,256 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: $142,753
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$22,848 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$1,698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$79,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,936
- Property taxfrom the feed$2,667
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $33,515
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,099 | $162,636 | needs mortgage insurance (not modelled) |
| 10% | $1,988 | $156,009 | needs mortgage insurance (not modelled) |
| 20% | $1,767 | $142,753 | 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%$1,767/mo
- Today, posted2026-11-04 · 6.19%$2,099/mo
- 5 years ago2021-11-03 · 4.79%$1,831/mo
- 10 years ago2016-11-02 · 4.64%$1,804/mo
At 6.19% — five years ago — the same mortgage would have cost $331 more each month than at today's posted rate.
Principal & interest only: $319,920 (80% of the $399,900 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 77 active
Priced at the 23rd percentile of active Conception Bay South homes
$177/sqft — city median $227/sqft.
Errand score
walk-time weighted
39
grocery 930 m, school 710 m
Nearest errand: Honeycomb Health Care Clinic (health centre) — 190 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 · 3 questions
- School within 1 km?Yes · 710 mBAC College
- Grocery nearby?Yes · 930 mDough Bys Bakery
- Bus stop?No bus stop mapped within 800 m
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
$1,832/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
$223/mo
Principal & interest $0 + property tax $223 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-499
NOI / month
$-499
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $223 | $2,667 |
| Expenses | $277 | $3,324 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-499 | $-5,988 |
| NOI | $-499 | $-5,988 |
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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