29-31 West Point Road
Portugal Cove-St. Philip's, NL, A1M2G8
List price
$219,900
About this propertyMLS® 1304853
Welcome to Baccalieu Horizon, a beautiful residential development in scenic Portugal Cove, where spectacular ocean views and Newfoundland's rugged coastal landscape create an incredible setting to call home. This approved building lot offers an opportunity to design and build your dream home while enjoying sweeping views across Conception Bay toward Kelly's Island, with Baccalieu Island visible in the distance. Surrounded by the natural beauty and charm of this historic coastal community, the property offers a wonderful combination of peaceful surroundings and convenient access to St. John's and nearby amenities. Imagine your dream home on this generously sized lot, maximizing the beautiful views while retaining the traditional Newfoundland heritage character of the neighbourhood. A unique opportunity to bring your plans to life. Municipal water and sewer services, along with underground electrical, are available, and restrictive covenants are in place to maintain the character of the development. Public access to the coastline is nearby, offering another way to enjoy this beautiful area. Bring your own contractor or explore available design and build options. An excellent opportunity to secure a building lot in one of Portugal Cove's most picturesque coastal settings. Lot 4 on the survey. Purchase price is plus HST.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Features
Fees & source
Rooms
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
64
Median list price
$400k
Price range
$35k – $1.2M
Typical build
2005
Average size
3,228 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 $ · 64 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 18 |
| 200–300 | 8 |
| 300–400 | 6 |
| 400–500 | 8 |
| 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 scores for this exact address.
Location, air, flood & taxes
Elevation
27 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$719 / year
≈ $60 / month · assessment year 2024
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
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 · 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.
Nothing mapped within 1.5 km of this address.
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $80,428
Closing costs + five years of running costs + 60 mortgage payments on a $219,900 home.
If rates rise 2 points
$12,803 more over five years if the rate is 6.84% instead of 4.84% (P&I only).
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$978
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$43,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Property taxfrom the feed$719
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $17,225
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,202 | $91,814 | needs mortgage insurance (not modelled) |
| 10% | $1,139 | $88,018 | needs mortgage insurance (not modelled) |
| 20% | $1,012 | $80,428 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 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.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$1,012/mo
- Today, posted2026-11-04 · 6.19%$1,154/mo
- 5 years ago2021-11-03 · 4.79%$1,007/mo
- 10 years ago2016-11-02 · 4.64%$992/mo
At 6.19%, five years ago, the same mortgage would have cost $142 more each month than at today's posted rate.
Principal & interest only: $175,920 (80% of the $219,900 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
$987/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$60/mo
Principal & interest $0 + property tax $60 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-59
NOI / month
$-59
Cap rate
-0.32%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $60 | $719 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-59 | $-708 |
| NOI | $-59 | $-708 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
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Talk to Haris
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty