For sale · MLS® 1305140
69 Cypress Street
St. John's, NL, A1H0H8
List price
$679,000
About this propertyMLS® 1305140
Welcome to this beautifully maintained, fully developed two-storey home with an attached garage, located on a family-friendly street in sought-after Southlands! Offering 4 bedrooms, 2 full bathrooms, and 2 half bathrooms, this home features a spacious, functional layout with pride of ownership evident throughout. The bright main floor offers an open-concept living room, dining area, and family room that flow seamlessly together, highlighted by a cozy propane fireplace and mini-split heat pump. The kitchen features an updated backsplash and easy access to the rear deck, while a dedicated home office, main-floor laundry, and updated half bath complete this level. Recent improvements throughout the home include all-new light fixtures, updated trim, shiplap accents, fresh paint, and new hardwood stairs leading to the basement. Upstairs features three spacious bedrooms, including an oversized primary suite with a **customized walk-in closet featuring improved storage and functionality, complete with a stylish barn door**, and a private 4-piece ensuite with soaker tub and separate shower. A full main bathroom completes this level. The fully developed basement offers a fourth bedroom, currently used as a home gym, a large rec room, half bath, and walkout access to the backyard. Outside, enjoy a fully fenced and landscaped backyard with an oversized deck, privacy wall, and storage shed. The attached garage features epoxy flooring, adding another practical touch to this well-maintained property. Ideally located just a chip shot from Glendenning Golf Course and minutes from walking trails, schools, shopping, and other amenities. With its generous living space, tasteful updates, and excellent location, this home is one you won't want to miss. Book your private viewing today! (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 | Not known Bath (# pieces 1-6) Recreation room Den | 12.4x10.9 · 135 sqft 2PC 29.5x10.9 · 322 sqft 12.4x6.11 · 76 sqft |
| Second level | Ensuite Bedroom Bath (# pieces 1-6) Bedroom Primary Bedroom | 4PC 12.2x13.6 · 166 sqft 4PC 11.10x14.6 · 162 sqft 11.10x18.6 · 206 sqft |
| Main level | Bath (# pieces 1-6) Office Family room/Fireplace Eating area Kitchen | 2PC 12.6x13 · 164 sqft 15x15 · 225 sqft 10x12.4 · 124 sqft 12x12.6 · 151 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
1.34 ha parcel
Elevation
189 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 8:00 p.m.
Property tax
$5,105 / year
≈ $425 / 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
- 13 min to downtown St. John's13.3 km
- 19 min to Memorial University19.7 km
- 24 min to Avalon Mall26.5 km
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
$265/mo
Est. winter heating (heat pump electricity) — about $796 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,060 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: $223,348
Closing costs + five years of running costs + 60 mortgage payments on a $679,000 home.
If rates rise 2 points
$38,794 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$2,814
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$135,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,592
- Property taxfrom the feed$5,105
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $38,985
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,563 | $257,107 | needs mortgage insurance (not modelled) |
| 10% | $3,376 | $245,854 | needs mortgage insurance (not modelled) |
| 20% | $3,001 | $223,348 | 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%$3,001/mo
- Today, posted2026-11-04 · 6.19%$3,563/mo
- 5 years ago2021-11-03 · 4.79%$3,109/mo
- 10 years ago2016-11-02 · 4.64%$3,063/mo
At 6.19% — five years ago — the same mortgage would have cost $562 more each month than at today's posted rate.
Principal & interest only: $543,200 (80% of the $679,000 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 2026-11-04. 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 67th percentile of active St. John's homes
$222/sqft — city median $192/sqft.
Ask this listing
open data · 5 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?Yes · 1.3 kmOrange Store
- 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 — R11.34 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
$3,158/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
$426/mo
Principal & interest $0 + property tax $426 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-848
NOI / month
$-848
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $426 | $5,105 |
| Expenses | $423 | $5,076 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-848 | $-10,176 |
| NOI | $-848 | $-10,176 |
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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