15 Marion's Garden
Conception Bay South, NL, A1X7X1
List price
$480,000
No conveyance of offers until
Monday, November 16 at 6:00 p.m. NST
4
days left
No conveyance of offers prior to 6:00pm Monday, November 16, 2026.
Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1305239
Welcome to 15 Marion's Garden. A registered two-apartment bungalow nestled on a quiet, family-friendly cul-de-sac. The main level features 9-foot ceilings, an open-concept eat-in kitchen and living with a mini split, three bedrooms, and a full bath. The spacious primary bedroom impresses with a stunning tray ceiling, walk-in closet, and an ensuite. Downstairs offers a generous rec room, a half bath, and laundry. The beautiful two-bedroom apartment features an open-concept kitchen and living area with a second mini split, full bath, and laundry-ideal for rental income or extended family. Outside, enjoy paved rear yard access leading to a detached 18' x 23' garage equipped with a mini split. Plenty of parking with two paved driveways. Backing onto greenspace and the Newfoundland T'Railway, this property is within walking distance of ballparks, the community swimming pool, and town hall. Just minutes to grocery stores, schools, restaurants, and Peacekeepers Way making commuting simple. A fantastic opportunity for families and investors alike! No conveyance of offers prior to 6:00pm Monday, November 16, 2026. Offers to remain open until 11:00pm Monday, November 16, 2026.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Rooms
| Basement | Not known Recreation room Bath (# pieces 1-6) Not known Bath (# pieces 1-6) Not known | 12'9""x23'1"" 20'8""x17'3"" 2PC 10'2""x10'11"" 4PC 8'10""x10'9"" |
| Main level | Bedroom Primary Bedroom Ensuite Eat in kitchen Foyer Bedroom Bath (# pieces 1-6) Living room | 8'5""9'4"" 12'5""x10'9"" 3PC 13'1""x17'4"" 5'1""x8'6"" 9x9'4"" 4PC 10'2""x17'1"" |
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
142
Median list price
$350k
Price range
$50k – $5M
Typical build
2012
Average size
2,400 sqft
Where Conception Bay South listings are priced
Every active list price in Conception Bay South, grouped into bands.
List price, thousands of $ · 142 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 44 |
| 200–300 | 20 |
| 300–400 | 21 |
| 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
Elevation
19 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:30 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$3,399 / year
≈ $283 / month
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: $164,214
Closing costs + five years of running costs + 60 mortgage payments on a $480,000 home.
If rates rise 2 points
$27,947 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$2,018
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$96,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,130
- Property taxfrom the feed$3,399
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $28,145
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,623 | $189,067 | needs mortgage insurance (not modelled) |
| 10% | $2,485 | $180,782 | needs mortgage insurance (not modelled) |
| 20% | $2,209 | $164,214 | 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.
Price ghosts
$/sqft vs 82 active
Priced at the 41st percentile of active Conception Bay South homes
$221/sqft, city median $236/sqft.
Winter warmer
Jan–Mar · estimate
$188/mo
Est. winter heating (heat pump electricity): about $565 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,172 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%$2,209/mo
- Today, posted2026-11-11 · 6.19%$2,519/mo
- 5 years ago2021-11-03 · 4.79%$2,198/mo
- 10 years ago2016-11-02 · 4.64%$2,165/mo
At 6.19%, five years ago, the same mortgage would have cost $310 more each month than at today's posted rate.
Principal & interest only: $384,000 (80% of the $480,000 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 2026-11-11. 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
$2,307/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$284/mo
Principal & interest $0 + property tax $284 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-599
NOI / month
$-599
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $284 | $3,399 |
| Expenses | $316 | $3,792 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-599 | $-7,188 |
| NOI | $-599 | $-7,188 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
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Keller Williams Platinum Realty