108 North Shore Road
Fogo Island, NL, A0G2B0
List price
$199,000
About this propertyMLS® 1296347
Set in the historic community of Fogo, this distinctive modified saltbox home offers a truly one-of-a-kind opportunity to own a piece of Newfoundland character and lore. With unobstructed views over the Eastern Tickle and out to the open ocean, the property delivers a dramatic coastal backdrop that’s as captivating as it is serene. This two-bedroom, two-bath home is being offered “as is”, presenting excellent potential for those looking to restore, renovate, or create a personalized retreat. Notably, key upgrades were completed in 2017–2018, including the roof, foundation, and a 200-amp electrical panel, providing a solid starting point for future improvements as well as a wood stove that has yet to be used. Inside, the spacious living room features a unique elevated section, once used as a performance stage, where the renowned Fogo Island accordion group first practiced, adding a rare cultural and historical touch to the space. Located near scenic hiking trails and surrounded by the rugged beauty of the island, this home is perfect for nature lovers and those drawn to Newfoundland’s rich traditions. Adding to its charm, the property sits in a place once playfully claimed by the Flat Earth Society as one of the “four corners of the Earth,” giving it an extra layer of local intrigue. Whether you’re seeking a creative project, a seasonal getaway, or a home steeped in story and scenery, this property captures the spirit of Fogo Island living like few others can.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
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
| Second level | Storage Bedroom Bath (# pieces 1-6) Primary Bedroom | 25.4 x 8.5 · 216 sqft 10.9 x 9.9 · 108 sqft 3 pce 19.4 x 9.1 · 177 sqft |
| Main level | Bath (# pieces 1-6) Laundry room Living room Eat in kitchen | 4 pce 7.6 x 6.2 · 47 sqft 23.3 x 17.4 · 405 sqft 25.4 19.4 |
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
3 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Grand Falls - Windsor · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$750 / year
≈ $63 / 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: $76,687
Closing costs + five years of running costs + 60 mortgage payments on a $199,000 home.
If rates rise 2 points
$11,587 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$894
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$39,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,018
- Property taxfrom the feed$750
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $19,340
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,088 | $86,991 | needs mortgage insurance (not modelled) |
| 10% | $1,030 | $83,556 | needs mortgage insurance (not modelled) |
| 20% | $916 | $76,687 | 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 50th percentile of active Fogo Island homes
$128/sqft, city median $141/sqft.
Winter warmer
Jan–Mar · estimate
$336/mo
Est. winter heating (electricity): about $1,009 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,550 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%$916/mo
- Today, posted2026-11-04 · 6.19%$1,044/mo
- 5 years ago2021-11-03 · 4.79%$911/mo
- 10 years ago2016-11-02 · 4.64%$898/mo
At 6.19%, five years ago, the same mortgage would have cost $128 more each month than at today's posted rate.
Principal & interest only: $159,200 (80% of the $199,000 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
$902/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$63/mo
Principal & interest $0 + property tax $63 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-248
NOI / month
$-248
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $63 | $750 |
| Expenses | $186 | $2,232 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-248 | $-2,976 |
| NOI | $-248 | $-2,976 |
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