37 Cliffside Avenue
Conception Bay South, NL, A1W4g6
List price
$599,900
About this propertyMLS® 1305299
NEARING COMPLETION!!!!Stunning two unit property with an amazing layout and income potential. Fabulous curb appeal with modern finishes, fully landscaped and double paved driveway , all just minutes to highway access. This 1223 sq ft open and airy main level features a custom kitchen w/ island and pantry closet, bright living room , Primary bedroom with a spacious walk in closet and 3 piece ensuite. Rounding off the main unit are 2 good size bedrooms , main bath and rec room. The 2 bedroom basement apartment is a good size as well ,offering a kitchen living room area, nice size bedrooms, full bath and laundry . Amazing finishes throughout. Hst rebate to be assigned to builder on closing. Lux home warranty. Taxes not assessed at time of listing.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
3 rooms are grey + dashed at the average size because the listing gives no dimensions. Never compare their size to a coloured room.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
View rooms as table
| Basement | Bath (# pieces 1-6) Bedroom Bedroom Not known | B4 10 x 9.3 · 93 sqft 10 x 9.5 · 95 sqft 19 x 14 · 266 sqft |
| Main level | Recreation room Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom Living room Kitchen | 11.3 x 10.7 · 121 sqft B4 10 x 9.5 · 95 sqft 10.6 x 9.5 · 101 sqft E3 14 x 12 · 168 sqft 15 x 11.5 · 173 sqft 14 x 17.7 · 248 sqft |
Conception Bay South at a glance
Live market stats for Conception Bay South: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
141
Median list price
$350k
Price range
$50k – $5M
Typical build
2012
Average size
2,404 sqft
Where Conception Bay South listings are priced
Every active list price in Conception Bay South, grouped into bands.
List price, thousands of $ · 141 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 44 |
| 200–300 | 20 |
| 300–400 | 20 |
| 400–500 | 24 |
| 500–750 | 16 |
| 750–1M | 14 |
| 1M+ | 3 |
How Conception Bay South compares
Median list price against the next biggest markets. Click a row for that area guide.
Conception Bay Southnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
72 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.
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: $189,199
Closing costs + five years of running costs + 60 mortgage payments on a $599,900 home.
If rates rise 2 points
$34,928 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$2,498
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$119,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,808
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $19,540
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,279 | $220,260 | needs mortgage insurance (not modelled) |
| 10% | $3,106 | $209,906 | needs mortgage insurance (not modelled) |
| 20% | $2,761 | $189,199 | 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. 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.
Price ghosts
$/sqft vs 81 active
Priced at the 77th percentile of active Conception Bay South homes
$278/sqft, city median $236/sqft.
Winter warmer
Jan–Mar · estimate
$468/mo
Est. winter heating (electricity): about $1,404 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,157 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
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%$2,761/mo
- Today, posted2026-11-04 · 6.19%$3,148/mo
- 5 years ago2021-11-03 · 4.79%$2,747/mo
- 10 years ago2016-11-02 · 4.64%$2,706/mo
At 6.19%, five years ago, the same mortgage would have cost $387 more each month than at today's posted rate.
Principal & interest only: $479,920 (80% of the $599,900 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 · 1 question
- 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
$2,530/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$0/mo
Principal & interest $0 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-750
NOI / month
$-750
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $750 | $9,000 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-750 | $-9,000 |
| NOI | $-750 | $-9,000 |
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