0 TCH - Hampden Junction
Trans Canada Highway, NL, A0K2Y0
List price
$520,000
About this propertyMLS® 1302738
Welcome to White Bay Convenience - An exciting investment opportunity awaits! White Bay Convenience is ideally located along the Trans Canada Highway, next to Hampden Junction and approximately 30 minutes from Deer Lake. This established, multi-use business operates as a fully functioning restaurant, gas bar and convenience store. The 30x60 building features kitchen space/dining, two bathrooms, ample storage, dedicated office space, open convenience space and a generator shed. Perfectly positioned directly along the groomed snowmobile system, the business is a convenient stop for snowmobilers, hunters and ATV enthusiasts. This turnkey opportunity, with a backhoe included in the sale. Whether you're looking to expand your investment portfolio or operate your own business, White Bay Convenience offers plenty of potential and room for expansion. Call today for further details or to arrange a private viewing!
Property details
More details
Overview
The home
Systems & utilities
Size & land
Features
Fees & source
Rooms
Trans Canada Highway at a glance
Live market stats for Trans Canada Highway: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
1
Median list price
$520k
Price range
$520k – $520k
Typical build
1995
Average size
1,800 sqft
Where Trans Canada Highway listings are priced
Every active list price in Trans Canada Highway, grouped into bands.
List price, thousands of $ · 1 homes
View as table
| Price band ($) | Listings |
|---|---|
| 500–750 | 1 |
How Trans Canada Highway compares
Median list price against the next biggest markets. Click a row for that area guide.
Trans Canada Highwaynearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
100 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
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: $164,484
Closing costs + five years of running costs + 60 mortgage payments on a $520,000 home.
If rates rise 2 points
$30,276 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$2,178
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$104,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,342
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $17,210
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,842 | $191,409 | needs mortgage insurance (not modelled) |
| 10% | $2,692 | $182,434 | needs mortgage insurance (not modelled) |
| 20% | $2,393 | $164,484 | 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. No property tax on record; that line is omitted. 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
$390/mo
Est. winter heating (Radiant heat (priced at the electricity rate)): about $1,171 for January through March.
Estimate, not an appraisal. Radiant heat (priced at the electricity rate) at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,800 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%$2,393/mo
- Today, posted2026-11-04 · 6.19%$2,729/mo
- 5 years ago2021-11-03 · 4.79%$2,381/mo
- 10 years ago2016-11-02 · 4.64%$2,345/mo
At 6.19%, five years ago, the same mortgage would have cost $336 more each month than at today's posted rate.
Principal & interest only: $416,000 (80% of the $520,000 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
$2,193/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$0/mo
Principal & interest $0 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-650
NOI / month
$-650
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $650 | $7,800 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-650 | $-7,800 |
| NOI | $-650 | $-7,800 |
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