For sale · MLS® 1305223
40 Bruce Boulevard
Stephenville, NL, A2N3R6
List price
$315,000
About this propertyMLS® 1305223
Looking to get into a great home in a great area? This 3-bedroom split-entry home is a great opportunity for first-time buyers or anyone looking for a comfortable place to call home! Featuring 1½ bathrooms, this home offers hardwood flooring in the living room, hallway, and primary bedroom. The spacious eat-in kitchen provides plenty of cupboard space with beautiful oak cabinets and comes complete with all appliances, including fridge, stove, dishwasher, and microwave. The washer and dryer are also included, making this home move-in ready! Enjoy year-round comfort with a mini-split heat pump in the living room. The shingles were replaced approximately 8 years ago. Conveniently located close to schools, recreation areas, and ATV and snowmobile trails, this property offers easy access to everything you need, along with plenty of opportunities to enjoy the outdoors. A fantastic opportunity for anyone starting out! Don't wait — call today to book your viewing! (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 | Other Bath (# pieces 1-6) Bedroom Primary Bedroom Eat in kitchen Living room Porch | 4.00 x 19.00 · 76 sqft 9.00 x 10.00 · 90 sqft 8.00 x 10.00 · 80 sqft 10.00 x 15.00 · 150 sqft 10.00 x 16.00 · 160 sqft 13.00 x 13.00 · 169 sqft 6.00 x 8.00 · 48 sqft |
| Basement | Laundry room Recreation room Bath (# pieces 1-6) Bedroom | 6.00 x 17.00 · 102 sqft 16.00 x 25.00 · 400 sqft 6.00 x 7.00 · 42 sqft 11.00 x 15.00 · 165 sqft |
The neighbourhood
Stephenville at a glance
Live market stats for Stephenville — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
92
Median list price
$267k
Price range
$45k – $5.5M
Typical build
1975
Average size
4,817 sqft
Where Stephenville listings are priced
Every active list price in Stephenville, grouped into bands.
List price, thousands of $ · 92 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 38 |
| 200–300 | 15 |
| 300–400 | 16 |
| 400–500 | 6 |
| 500–750 | 12 |
| 750–1M | 2 |
| 1M+ | 3 |
How Stephenville compares
Median list price against the next biggest markets — click a row for that area guide.
Stephenvillenearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
27 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Corner Brook · updated 4:00 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,496 / year
≈ $125 / month
Climate
Feb -3° · Aug 21°
normal daily high · STEPHENVILLE A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
12 places shown · OpenStreetMap · OSRM
Schools 10
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
$146/mo
Est. winter heating (heat pump electricity) — about $438 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,583 sqft. Severity 1.06× St. John's from the STEPHENVILLE 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: $103,746
Closing costs + five years of running costs + 60 mortgage payments on a $315,000 home.
If rates rise 2 points
$17,997 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$1,358
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$63,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$876
- Property taxfrom the feed$1,496
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $17,360
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,653 | $119,407 | needs mortgage insurance (not modelled) |
| 10% | $1,566 | $114,187 | needs mortgage insurance (not modelled) |
| 20% | $1,392 | $103,746 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-06), 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 rate2026-11-06 · 4.44%$1,392/mo
- Today, posted2026-11-04 · 6.19%$1,653/mo
- 5 years ago2021-11-03 · 4.79%$1,442/mo
- 10 years ago2016-11-02 · 4.64%$1,421/mo
At 6.19% — five years ago — the same mortgage would have cost $261 more each month than at today's posted rate.
Principal & interest only: $252,000 (80% of the $315,000 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 51 active
Priced at the 78th percentile of active Stephenville homes
$199/sqft — city median $151/sqft.
Errand score
walk-time weighted
20
school 110 m
Nearest errand: Stephenville Highschool (school) — 110 m, about 1 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 · 110 mStephenville Highschool
- Grocery nearby?Yes · 1.4 kmColemans
- 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
$1,393/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
$125/mo
Principal & interest $0 + property tax $125 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-393
NOI / month
$-393
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $125 | $1,496 |
| Expenses | $269 | $3,228 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-393 | $-4,716 |
| NOI | $-393 | $-4,716 |
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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