485 Conception Bay Highway
Holyrood, NL, A0A2R0
List price
$85,000
About this propertyMLS® 1305219
HOLYROOD, NL...Welcome to one of the most scenic towns on the Avalon, where there is so much happening from the famous Board Walk on the beach to the Marine Institute with its state of the art Ocean Technology, the Willows golf course, the Holyrood Marina, the new Tim Hortons, an ever expanding Holy Cross Elementary School and two Day Cares Centre's, two major land developments, Marina Shores and Mountain View Estates and the list goes on! There's pride of ownership everywhere in this Town and it shows!! So we introduce to you...485 Conception Bay Highway, Holyrood and a 15,995.17 sqft serviceable lot with privacy galore. Offered for the first time to market, this family land has 2 lots that are offered to the public. Extraordinary location in the centre city area and the possibilities are unique. For the outdoor enthusiast, this whole area has lots of trails, and recreation activities. Come walk this place...Vision what this place could be, You decided, if this is where you want to be. Don't Delay...Call Today!!
Property details
More details
Overview
The home
Systems & utilities
Taxes
Features
Fees & source
Rooms
Holyrood at a glance
Live market stats for Holyrood: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
47
Median list price
$190k
Price range
$32k – $8M
Typical build
2007
Average size
6,503 sqft
Where Holyrood listings are priced
Every active list price in Holyrood, grouped into bands.
List price, thousands of $ · 47 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 25 |
| 200–300 | 7 |
| 300–400 | 6 |
| 400–500 | 4 |
| 500–750 | 2 |
| 1M+ | 3 |
How Holyrood compares
Median list price against the next biggest markets. Click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
40 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 9:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$400 / year
≈ $33 / month · assessment year 2026
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: $41,040
Closing costs + five years of running costs + 60 mortgage payments on a $85,000 home.
If rates rise 2 points
$4,949 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$438
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$17,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Property taxfrom the feed$400
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $15,630
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $465 | $45,442 | needs mortgage insurance (not modelled) |
| 10% | $440 | $43,975 | needs mortgage insurance (not modelled) |
| 20% | $391 | $41,040 | 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%$391/mo
- Today, posted2026-11-04 · 6.19%$446/mo
- 5 years ago2021-11-03 · 4.79%$389/mo
- 10 years ago2016-11-02 · 4.64%$383/mo
At 6.19%, five years ago, the same mortgage would have cost $55 more each month than at today's posted rate.
Principal & interest only: $68,000 (80% of the $85,000 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.
Monthly carrying cost
$392/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$34/mo
Principal & interest $0 + property tax $34 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-33
NOI / month
$-33
Cap rate
-0.47%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $34 | $400 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-33 | $-396 |
| NOI | $-33 | $-396 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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