4 Main Street
Fogo Island, NL, A0G2B0
List price
$449,900
About this propertyMLS® 1302650
4 Main Street, Fogo, Fogo Island Step into a piece of history with this beautifully restored three story home, sitting proudly at 4 Main Street in the heart of Fogo, one of the most charming and storied communities on Fogo Island. Dating back to the early 20th century, this stunning property has been impeccably brought back to life while preserving every bit of its original character and charm. From the moment you walk through the door, you will be captivated by the craftsmanship and care that went into this restoration. The heart of the home is a spectacular chef's kitchen, designed for those who love to cook and entertain, offering premium finishes and plenty of space to create memorable meals for family and friends. With five generous bedrooms and two full bathrooms spread across three floors, there is room for everyone. Step outside onto the sweeping wrap around deck, where breathtaking views of the ocean and surrounding landscape greet you in every direction, the perfect spot to enjoy your morning coffee or watch the sun dip below the horizon. Just a short walk from local shops, restaurants, and all the amenities Fogo Town has to offer, scenic walking trails wind through the surrounding landscape, showcasing the rugged beauty that makes Fogo Island one of the most remarkable destinations in Atlantic Canada. Fogo also holds the proud distinction of being one of the four corners of the flat earth, a legendary title that adds to the unique character of this community. This property is truly one of a kind, offering endless possibilities as a stunning family home, a vacation retreat, or an investment property in one of Newfoundland's most celebrated destinations. Opportunities like this do not come along often. Come experience the magic of Fogo Island and make this extraordinary home yours.
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.
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
| Main level | Porch Laundry room Primary Bedroom Living room Eat in kitchen Bath (# pieces 1-6) Porch | 16 x 5.2 · 83 sqft 13 x 5.11 · 66 sqft 15.0 x 12.8 · 192 sqft 15.3 x 12.8 · 196 sqft 16.6 x 14.1 · 234 sqft 12 x 7.8 (3 Pc) 7.8 x 7.4 · 58 sqft |
| Third level | Storage Bedroom | 15.8 x 7.8 · 123 sqft 12.4 x 9.4 · 117 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Bedroom | 13.9 x7.8(3 pc) 11.3 x 7.5 · 85 sqft 14.4 12.4 15 x 13.5 · 203 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
6 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
$1,759 / year
≈ $147 / 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: $163,951
Closing costs + five years of running costs + 60 mortgage payments on a $449,900 home.
If rates rise 2 points
$26,195 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$1,898
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$89,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,404
- Property taxfrom the feed$1,759
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $36,315
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,459 | $187,246 | needs mortgage insurance (not modelled) |
| 10% | $2,329 | $179,481 | needs mortgage insurance (not modelled) |
| 20% | $2,071 | $163,951 | 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 83rd percentile of active Fogo Island homes
$205/sqft, city median $141/sqft.
Winter warmer
Jan–Mar · estimate
$734/mo
Est. winter heating (heating oil): about $2,202 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,190 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%$2,071/mo
- Today, posted2026-11-04 · 6.19%$2,361/mo
- 5 years ago2021-11-03 · 4.79%$2,060/mo
- 10 years ago2016-11-02 · 4.64%$2,029/mo
At 6.19%, five years ago, the same mortgage would have cost $290 more each month than at today's posted rate.
Principal & interest only: $359,920 (80% of the $449,900 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
$2,044/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$147/mo
Principal & interest $0 + property tax $147 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-562
NOI / month
$-562
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $147 | $1,759 |
| Expenses | $416 | $4,992 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-562 | $-6,744 |
| NOI | $-562 | $-6,744 |
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