For sale · MLS® 1305153
9-11 Pondside Road
Spaniard's Bay, NL, A0A3X1
List price
$279,900
About this propertyMLS® 1305153
Welcome to this well maintained pond front home situated on a large beautifully landscaped lot offering peaceful surroundings and picturesque water views! This spacious home shows well and features 3 bedrooms, 2.5 baths, and a lower level with potential for a one-bedroom suite. The main level welcomes you with a spacious living room featuring a wood-burning fireplace and an electric fireplace. The dining room flows into the kitchen, complete with beautiful oak cabinetry and ample cupboard space. A convenient mudroom provides access to the large rear deck, the perfect place to relax and take in the beautiful pond views. Enjoy watching activities on the water throughout the seasons, including kayaking, Sea-Dooing, fishing, skating, and more! The upper level features two bedrooms, including the primary bedroom with its own convenient 2-piece ensuite. The walkout lower level features a large and cozy rec- room complete with a bar and propane stove, perfect for entertaining or relaxing. The lower level includes the third bedroom, kitchenette, 3-piece bathroom, laundry area, and a workshop/storage room with its own exterior entrance. With its existing layout, the lower level offers excellent potential for a private one-bedroom suite. Outside, the beautifully manicured grounds are sure to impress! Enjoy established plum trees, rhubarb, gooseberries, green onions, and chives. The property also features a 20x24 detached garage and a 12x20 storage shed, offering plenty of room for vehicles, recreational equipment, and storage. The storage shed provides a convenient place to store a small boat, with the added bonus of being able to launch it directly onto the pond. Whether you're enjoying your morning coffee overlooking the water, spending summer days boating and fishing, or taking in the peaceful winter scenery, this property offers a wonderful opportunity to enjoy pond front living year-round. (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 | Ensuite Primary Bedroom Bedroom Bath (# pieces 1-6) | 2pc 4.5 x 4.1 14.7 x 12.10 · 178 sqft 9.4 x 12.11 · 114 sqft 3pc 8.8 x 7.7 |
| Second level | Foyer Mud room Kitchen Dining room Living room/Fireplace | 5.11 x 7.3 · 37 sqft 6.1 x 5.2 · 32 sqft 17.3 x 12.10 · 209 sqft 13.3 x 13.11 · 174 sqft 13.11 x 25.6 · 336 sqft |
| Basement | Recreation room | 29 x 16.7 · 484 sqft |
| Lower level | Bedroom Workshop Bath (# pieces 1-6) Eat in kitchen | 16 x 10 · 160 sqft 26 x 16 · 416 sqft 3pc 16 x 10.2 · 163 sqft |
The neighbourhood
Spaniard's Bay at a glance
Live market stats for Spaniard's Bay — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
20
Median list price
$112k
Price range
$25k – $520k
Typical build
1979
Average size
1,708 sqft
Where Spaniard's Bay listings are priced
Every active list price in Spaniard's Bay, grouped into bands.
List price, thousands of $ · 20 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 14 |
| 200–300 | 4 |
| 400–500 | 1 |
| 500–750 | 1 |
How Spaniard's Bay compares
Median list price against the next biggest markets — click a row for that area guide.
Spaniard's Baynearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
61 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 2:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,230 / year
≈ $103 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet — dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · 3 routes · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet — OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
- 73 min to downtown St. John's94.2 km
- 72 min to Memorial University93 km
- 77 min to Avalon Mall99.7 km
Nothing mapped within 1.5 km of this address.
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
$668/mo
Est. winter heating (electricity) — about $2,004 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,080 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: $108,628
Closing costs + five years of running costs + 60 mortgage payments on a $279,900 home.
If rates rise 2 points
$15,992 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$1,218
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$55,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,008
- Property taxfrom the feed$1,230
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $31,690
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,469 | $122,545 | needs mortgage insurance (not modelled) |
| 10% | $1,392 | $117,906 | needs mortgage insurance (not modelled) |
| 20% | $1,237 | $108,628 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-05), 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 rate2026-11-05 · 4.44%$1,237/mo
- Today, posted2026-11-04 · 6.19%$1,469/mo
- 5 years ago2021-11-03 · 4.79%$1,282/mo
- 10 years ago2016-11-02 · 4.64%$1,262/mo
At 6.19% — five years ago — the same mortgage would have cost $232 more each month than at today's posted rate.
Principal & interest only: $223,920 (80% of the $279,900 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.
Monthly carrying cost
$1,229/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
$103/mo
Principal & interest $0 + property tax $103 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-349
NOI / month
$-349
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $103 | $1,230 |
| Expenses | $247 | $2,964 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-349 | $-4,188 |
| NOI | $-349 | $-4,188 |
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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