For sale · MLS® 1305139
17 Keeley Lane
Portugal Cove-St. Philip's, NL, A1M3P1
List price
$893,000
About this propertyMLS® 1305139
WATERFRONT LIVING AT ITS BEST on Murray's Pond. 3/4 acre lot. Welcome to Water’s Edge, a beautiful new subdivision in scenic Portugal Cove–St. Philip’s overlooking Murrays Pond. This thoughtfully designed Bungalow newly constructed bungalow offers the perfect blend of modern comfort and peaceful surroundings. Featuring two spacious bedrooms this home boasts a bright, open-concept main floor featuring an inviting kitchen and dining area—perfect for both everyday living and entertaining. The home includes two full bathrooms , a custom wood staircase, and 2-head mini-split for efficient heating and cooling. Additional highlights include an attached single car garage, and full landscaping with a single wide paved driveway. Offering 1,500 sq. ft. of future development space in the basement, there is plenty of opportunity to customize and expand your living space. Built with care and attention to detail by YORK Developments, this quality home combines modern comfort with timeless design in a sought-after location. Don’t miss your opportunity to own in this exceptional new home ON MURRAYS' POND. (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
| Main level | Bedroom Ensuite Primary Bedroom Bath (# pieces 1-6) Not known Laundry room Dining room Living room/Fireplace Kitchen | 11x12 · 132 sqft 11x6 · 66 sqft 14x13 · 182 sqft 8.5x8 · 68 sqft 6x5 · 30 sqft 8x6 · 48 sqft 8x12 · 96 sqft 12x20 · 240 sqft 12x12 · 144 sqft |
The neighbourhood
Portugal Cove-St. Philip's at a glance
Live market stats for Portugal Cove-St. Philip's — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
66
Median list price
$408k
Price range
$35k – $1.2M
Typical build
2002
Average size
3,027 sqft
Where Portugal Cove-St. Philip's listings are priced
Every active list price in Portugal Cove-St. Philip's, grouped into bands.
List price, thousands of $ · 66 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 19 |
| 200–300 | 7 |
| 300–400 | 6 |
| 400–500 | 10 |
| 500–750 | 11 |
| 750–1M | 10 |
| 1M+ | 3 |
How Portugal Cove-St. Philip's compares
Median list price against the next biggest markets — click a row for that area guide.
Portugal Cove-St. Philip'snearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
151 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.
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
- 18 min to downtown St. John's13.5 km
- 14 min to Memorial University11.4 km
- 5 min to Avalon Mall3.2 km
Groceries 1
Cafés 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
$260/mo
Est. winter heating (heat pump electricity) — about $779 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,994 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: $255,255
Closing costs + five years of running costs + 60 mortgage payments on a $893,000 home.
If rates rise 2 points
$51,021 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$3,670
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$178,600
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,558
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $13,290
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $4,687 | $299,654 | needs mortgage insurance (not modelled) |
| 10% | $4,440 | $284,854 | needs mortgage insurance (not modelled) |
| 20% | $3,947 | $255,255 | 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. No property tax on record — that line is omitted. 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%$3,947/mo
- Today, posted2026-11-04 · 6.19%$4,686/mo
- 5 years ago2021-11-03 · 4.79%$4,089/mo
- 10 years ago2016-11-02 · 4.64%$4,028/mo
At 6.19% — five years ago — the same mortgage would have cost $740 more each month than at today's posted rate.
Principal & interest only: $714,400 (80% of the $893,000 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 36 active
Priced at the 97th percentile of active Portugal Cove-St. Philip's homes
$298/sqft — city median $231/sqft.
Errand score
walk-time weighted
12
grocery 1.0 km
Nearest errand: The Grounds (café) — 370 m, about 5 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 · 4 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?Yes · 1.0 kmTriple D Video / Sears Pickup Location
- Bus stop?No bus stop mapped within 800 m
- In the 100-year floodplain?No — outside itCity of St. John's flood map
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
$3,594/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
$0/mo
Principal & interest $0 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-1,117
NOI / month
$-1,117
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $1,117 | $13,404 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-1,117 | $-13,404 |
| NOI | $-1,117 | $-13,404 |
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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