248 Main (Route 93) Road
Mount Carmel, NL, A0B2M0
List price
$289,900
About this propertyMLS® 1301479
Perched on an elevated lot overlooking the breathtaking waters of Salmonier Arm, this warm and inviting home offers the perfect blend of comfort, character, and spectacular scenery. Whether you’re searching for a year-round residence, a peaceful getaway, or a vacation property, this home delivers the best of Newfoundland Coastal living. Step inside to a bright, open-concept main living area where wood ceilings, rich hardwood floors, and expansive windows create a warm and welcoming atmosphere. The cozy propane fireplace provides the perfect gathering place on cooler evenings. Wake up each morning to stunning water views from the primary bedroom, where oversized windows bring the beauty of the outdoors inside. Natural wood finishes throughout create a timeless cabin feel while still offering all the comforts of modern living. Outside, you’ll love relaxing on the large front deck overlooking Salmonier Arm—an ideal spot to enjoy your morning coffee or marvel at the colourful evening skies. The beautifully landscaped lot also features 2 storage sheds and an outdoor fire pit. Located in the scenic community of Mount Carmel, just a short 45 min drive to St. John's. Comes fully equipped with all furnishings, decor, appliances, fully stocked kitchen, garden tools & more. If you’ve been dreaming of a home or cabin with breathtaking views, warmth, and endless opportunities to enjoy nature, this is one you won’t want to miss. Come experience the beauty of Salmonier Arm—your coastal retreat awaits!
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.
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
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Eat in kitchen Living room/Fireplace | 6.2 x 7.3 · 45 sqft 9.10 x 11.7 · 106 sqft 13.9 x 11.2 · 156 sqft 12.13 x 10.1 · 123 sqft 14.11 x 13.7 · 193 sqft |
Mount Carmel at a glance
Live market stats for Mount Carmel: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
5
Median list price
$75k
Price range
$30k – $290k
Typical build
2001
Average size
1,061 sqft
Where Mount Carmel listings are priced
Every active list price in Mount Carmel, grouped into bands.
List price, thousands of $ · 5 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 3 |
| 200–300 | 2 |
How Mount Carmel compares
Median list price against the next biggest markets. Click a row for that area guide.
Mount Carmelnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
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Location, air, flood & taxes
Elevation
10 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
$420 / year
≈ $35 / 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: $94,833
Closing costs + five years of running costs + 60 mortgage payments on a $289,900 home.
If rates rise 2 points
$16,879 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$1,258
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$57,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$884
- Property taxfrom the feed$420
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $12,020
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,584 | $109,843 | needs mortgage insurance (not modelled) |
| 10% | $1,501 | $104,840 | needs mortgage insurance (not modelled) |
| 20% | $1,334 | $94,833 | 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.
Winter warmer
Jan–Mar · estimate
$147/mo
Est. winter heating (electricity): about $442 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 679 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%$1,334/mo
- Today, posted2026-11-04 · 6.19%$1,521/mo
- 5 years ago2021-11-03 · 4.79%$1,328/mo
- 10 years ago2016-11-02 · 4.64%$1,308/mo
At 6.19%, five years ago, the same mortgage would have cost $187 more each month than at today's posted rate.
Principal & interest only: $231,920 (80% of the $289,900 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
$1,257/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$35/mo
Principal & interest $0 + property tax $35 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-363
NOI / month
$-363
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $35 | $420 |
| Expenses | $328 | $3,936 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-363 | $-4,356 |
| NOI | $-363 | $-4,356 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
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