0 Trinity Road S
Heart's Delight-Islington, NL, A0B2E0
List price
$157,000
About this propertyMLS® 1298137
Rare 1.25-acre waterfront opportunity on beautiful Trinity Bay in the scenic community of Heart’s Delight-Islington. Whether you are looking to build your dream waterfront home, seasonal retreat, or commercial venture, this property offers endless potential with breathtaking ocean views and direct access to the Newfoundland lifestyle you’ve been searching for. Zoned commercial as well, the possibilities are extensive for future development, including tourism-based businesses, cabins, a retreat property, café, or RV development. The town had previously approved an RV Park on the property, making this an exciting opportunity for investors and entrepreneurs alike. Municipal water and sewer services, along with electricity, are conveniently available at the road, helping make future development more accessible and cost effective. The property offers the perfect balance of privacy, natural beauty, and accessibility. Located in the heart of scenic Trinity Bay, Heart’s Delight is surrounded by rugged coastline, stunning ocean views, and the charm Newfoundland outport communities are known for. The area is popular for boating, kayaking, whale watching, fishing, and hiking. All permits and approvals are the responsibility of the buyer.
Property details
More details
Overview
The home
Systems & utilities
Taxes
Parking & outdoor
Features
Fees & source
Rooms
Heart's Delight-Islington at a glance
Live market stats for Heart's Delight-Islington: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
8
Median list price
$143k
Price range
$45k – $300k
Typical build
1991
Average size
1,461 sqft
Where Heart's Delight-Islington listings are priced
Every active list price in Heart's Delight-Islington, grouped into bands.
List price, thousands of $ · 8 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 7 |
| 200–300 | 1 |
How Heart's Delight-Islington compares
Median list price against the next biggest markets. Click a row for that area guide.
Heart's Delight-Islingtonnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
1 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.
Flood & zoning are mapped for St. John's only
Property tax
$365 / year
≈ $30 / 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: $61,036
Closing costs + five years of running costs + 60 mortgage payments on a $157,000 home.
If rates rise 2 points
$9,141 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$726
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$31,400
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Property taxfrom the feed$365
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $15,455
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $858 | $69,165 | needs mortgage insurance (not modelled) |
| 10% | $813 | $66,455 | needs mortgage insurance (not modelled) |
| 20% | $723 | $61,036 | 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%$723/mo
- Today, posted2026-11-04 · 6.19%$824/mo
- 5 years ago2021-11-03 · 4.79%$719/mo
- 10 years ago2016-11-02 · 4.64%$708/mo
At 6.19%, five years ago, the same mortgage would have cost $101 more each month than at today's posted rate.
Principal & interest only: $125,600 (80% of the $157,000 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
$692/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$31/mo
Principal & interest $0 + property tax $31 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-30
NOI / month
$-30
Cap rate
-0.23%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $31 | $365 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-30 | $-360 |
| NOI | $-30 | $-360 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
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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