44 Neck Road
Fogo Island, NL,
List price
$219,900
About this propertyMLS® 1295661
Charming Two-Bedroom Home in Little Seldom, Fogo Island Nestled in the peaceful community of Little Seldom on Fogo Island, this well-built two-bedroom home offers a perfect blend of comfort, convenience, and coastal charm. Located just 6 km from the Fogo Island Ferry and only 12 km from essential amenities like the hospital, supermarket, school, and pharmacy, this property is ideally situated for year-round living or a seasonal getaway. Fogo Island is renowned for its rich history, vibrant culture, and breathtaking landscapes. With endless hiking opportunities, welcoming communities, and a strong connection to its fishing heritage, it’s no wonder Fogo Island is high on many must-visit lists. The island is also home to the world-famous Fogo Island Inn, adding to its appeal as both a tourist destination and a peaceful retreat. Whether you're looking for a cozy permanent residence, a vacation escape, or a rental opportunity, this home is a solid investment in one of Newfoundland’s most beloved locations. Don’t miss out on the chance to own a piece of Fogo Island’s beauty.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
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.
1 room is 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 | Laundry room Bath (# pieces 1-6) Recreation room Bedroom | 8.3 x 6.7 · 56 sqft 11.8 x 11.3 · 133 sqft 17 x 12.5 · 213 sqft 12 x 11.3 · 136 sqft |
| Main level | Ensuite Primary Bedroom Eat in kitchen Living room | 4 Pce 17 x 11.5 · 196 sqft 17.5 x 12 · 210 sqft 18 x12.5 · 225 sqft |
Fogo Island at a glance
Live market stats for Fogo Island: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
17
Median list price
$180k
Price range
$25k – $450k
Typical build
1934
Average size
1,621 sqft
Where Fogo Island listings are priced
Every active list price in Fogo Island, grouped into bands.
List price, thousands of $ · 17 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 10 |
| 200–300 | 5 |
| 300–400 | 1 |
| 400–500 | 1 |
How Fogo Island 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.
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Location, air, flood & taxes
Elevation
2 m
0300 mmetres above sea level
Flood, zoning & air quality are mapped for St. John's only
Property tax
$700 / year
≈ $58 / 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: $84,823
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)$2,524
- Property taxfrom the feed$700
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $21,620
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,202 | $96,209 | needs mortgage insurance (not modelled) |
| 10% | $1,139 | $92,413 | needs mortgage insurance (not modelled) |
| 20% | $1,012 | $84,823 | 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 12 active
Priced at the 42nd percentile of active Fogo Island homes
$113/sqft, city median $141/sqft.
Winter warmer
Jan–Mar · estimate
$421/mo
Est. winter heating (electricity): about $1,262 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,940 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%$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
$986/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$59/mo
Principal & interest $0 + property tax $59 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-274
NOI / month
$-274
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $59 | $700 |
| Expenses | $216 | $2,592 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-274 | $-3,288 |
| NOI | $-274 | $-3,288 |
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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- Call or text416-873-4676
- Emailharis@barki.co
- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty