For sale · MLS® 1305187
8 Jacob Lyle Street
Conception Bay South, NL, A1W0J4
List price
$549,900
About this propertyMLS® 1305187
Welcome to 8 Jacob Lyle Street in Long Pond, Manuels, introducing ""The Ship Harbour"", a beautifully designed registered 2 apartment split-entry home by New Victorian Homes. This design features 3 bedrooms & 1 bathroom on the main level, plus a bright spacious 803 sq ft 2-bedroom, 1-bathroom above-ground apartment overlooking the scenic trail way & beautiful sunsets. Ideally located near Manuels River, Topsail Beach, schools, shopping, medical facilities, marinas, playgrounds and recreational amenities. This exceptional turnkey package showcases the New Victorian Standard, including a fully serviced lot, complimentary interior design consultation, premium vinyl siding, exterior accents, 30-year shingles, electric heating, digital thermostats, R22 wall and R50 attic insulation, and HRV. Generous allowances for customized cabinetry, flooring, plumbing and lighting let you add your personal touch. Completed with a landscaped lot with nursery sod, pressure-treated patio deck and paved driveway. Enjoy peace of mind with a 10-year transferable Atlantic Home Warranty and New Victorian Homes' one-year builder's coverage. All permits, fees and HST included! An outstanding opportunity to own a quality-built home with income potential in a desirable neighbourhood. Call today for your private viewing! Completion/move in ready (approximately) February 2027. (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
| Other | Laundry room Bath (# pieces 1-6) Bedroom Bedroom Living room Kitchen | 11.10 x 5.8 · 64 sqft 5.6 x 5.8 · 32 sqft 9.0 x 11.0 · 99 sqft 9.0 x 11.0 · 99 sqft 11.8 x 10.7 · 126 sqft 19.0 x 7.8 · 148 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom Dining room Kitchen Living room | 5.9 x 5.8 · 34 sqft 9.4 x 9.0 · 85 sqft 9.4 x 9.0 · 85 sqft 13.0 x 10.0 · 130 sqft 8.0 x 9.10 · 73 sqft 9.0 x 10.10 · 91 sqft 12.2 x 12.6 · 154 sqft |
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
141
Median list price
$319k
Price range
$50k – $5M
Typical build
2008
Average size
2,459 sqft
Where Conception Bay South listings are priced
Every active list price in Conception Bay South, grouped into bands.
List price, thousands of $ · 141 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 45 |
| 200–300 | 21 |
| 300–400 | 23 |
| 400–500 | 20 |
| 500–750 | 16 |
| 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
13 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 7:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$4,179 / year
≈ $348 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
14 places shown · 3 routes · OpenStreetMap · OSRM
- 23 min to downtown St. John's25.6 km
- 23 min to Memorial University24.8 km
- 29 min to Avalon Mall31.6 km
Schools 7
Groceries 3
Cafés 3
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
$447/mo
Est. winter heating (electricity) — about $1,340 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,060 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: $189,409
Closing costs + five years of running costs + 60 mortgage payments on a $549,900 home.
If rates rise 2 points
$31,418 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$2,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$109,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,680
- Property taxfrom the feed$4,179
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $39,795
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,886 | $216,749 | needs mortgage insurance (not modelled) |
| 10% | $2,734 | $207,636 | needs mortgage insurance (not modelled) |
| 20% | $2,430 | $189,409 | 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%$2,430/mo
- Today, posted2026-11-04 · 6.19%$2,886/mo
- 5 years ago2021-11-03 · 4.79%$2,518/mo
- 10 years ago2016-11-02 · 4.64%$2,480/mo
At 6.19% — five years ago — the same mortgage would have cost $455 more each month than at today's posted rate.
Principal & interest only: $439,920 (80% of the $549,900 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 80 active
Priced at the 65th percentile of active Conception Bay South homes
$267/sqft — city median $229/sqft.
Errand score
walk-time weighted
37
grocery 400 m, school 610 m
Nearest errand: Tim Hortons (café) — 280 m, about 4 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 · 610 mSt. George's Elementary (Conception Bay South)
- Grocery nearby?Yes · 400 mDominion
- 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
$2,562/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
$349/mo
Principal & interest $0 + property tax $349 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-687
NOI / month
$-687
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $349 | $4,179 |
| Expenses | $339 | $4,068 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-687 | $-8,244 |
| NOI | $-687 | $-8,244 |
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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