For sale · MLS® 1305208
176 Deans Road
Witless Bay, NL, A0A3L0
List price
$549,900
About this propertyMLS® 1305208
A spacious 2900 sq feet (including basement) open concept family home with full heat pump system! Move in before Christmas! More detailed information and Pictures to follow! (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 | Kitchen | 12x14 · 168 sqft |
The neighbourhood
Witless Bay at a glance
Live market stats for Witless Bay — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
8
Median list price
$282k
Price range
$140k – $550k
Typical build
1998
Average size
2,177 sqft
Where Witless Bay listings are priced
Every active list price in Witless Bay, grouped into bands.
List price, thousands of $ · 8 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 3 |
| 200–300 | 1 |
| 300–400 | 2 |
| 400–500 | 1 |
| 500–750 | 1 |
How Witless Bay compares
Median list price against the next biggest markets — click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
26 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
$2,500 / year
≈ $208 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
1 place shown · 3 routes · OpenStreetMap · OSRM
- 33 min to downtown St. John's35.6 km
- 40 min to Memorial University39.1 km
- 45 min to Avalon Mall45.8 km
Schools 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
$126/mo
Est. winter heating (heat pump electricity) — about $377 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,450 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: $171,384
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)$754
- Property taxfrom the feed$2,500
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $21,770
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,886 | $198,724 | needs mortgage insurance (not modelled) |
| 10% | $2,734 | $189,611 | needs mortgage insurance (not modelled) |
| 20% | $2,430 | $171,384 | 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.
Ask this listing
open data · 3 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?No grocery mapped within 1.5 km
- 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
$2,422/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
$209/mo
Principal & interest $0 + property tax $209 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 | $209 | $2,500 |
| Expenses | $479 | $5,748 |
| 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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