20 Sargents Cove Road
Fogo Island, NL,
List price
$279,000
As per Seller Direction there will be no conveyance of offers prior to 3:00pm on October 21, 2026, all offers to be left open for consideration until 8:00pm on October 21, 2026 (id:56688)
Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1304279
20 Sargent's Cove Road, Fogo, Fogo Island Two homes in one, steps from Brimstone Head This two apartment property gives you options. Live in one side and rent the other, host family, or run it as a full income property. It is in excellent shape, so you can settle in or start renting without a long to do list. The main home has three bedrooms and two bathrooms, including an ensuite off the primary bedroom. The second apartment has two bedrooms and two bathrooms, so each unit has real space and privacy. Most of the furniture, as viewed, is included, so you can skip the shopping and start enjoying the island right away. A 6500 watt generator is part of the sale, which is a smart bonus for island living, and two small sheds give you room for tools, gear, and seasonal storage. Location is a big part of the appeal. You are a couple of minutes walk from Brimstone Head, one of the most talked about spots on Fogo Island. Hiking trails, coastal scenery, and the amenities of Fogo are all close by. Whether you want a home base, a getaway with built in rental potential, or a place for the whole family to gather, this one covers a lot. Fogo Island properties with two apartments and this kind of condition do not come up often. Book your showing and see it for yourself. As per Seller Direction there will be no conveyance of offers prior to 3:00pm on October 21, 2026, all offers to be left open for consideration until 8:00pm on October 21, 2026
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.
2 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 Bedroom Bedroom Eat in kitchen Living room Bath (# pieces 1-6) Other Bedroom Bedroom Primary Bedroom Dining room Kitchen Living room | 7.5 x 6.5 · 49 sqft 11.5 x 8 · 92 sqft 8.5 x 6.5 · 55 sqft 12 x 11.5 · 138 sqft 12 x 11 · 132 sqft 10.9.5 7.5 x 4 · 30 sqft 11 x 7.8 · 86 sqft 115 x 7.5 13 x 11 · 143 sqft 11 x 7.5 · 83 sqft 14 x 13.5 · 189 sqft 14 x 13 · 182 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.
-Fogo-Island(Fogo)--CA.dash.NL-null.png){kind=icon}
-Fogo-Island(Fogo)--CA.dash.NL-null.png){kind=icon}
-Fogo-Island(Fogo)--CA.dash.NL-null.png){kind=icon}
Location, air, flood & taxes
Elevation
13 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
$1,250 / year
≈ $104 / 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: $100,289
Closing costs + five years of running costs + 60 mortgage payments on a $279,000 home.
If rates rise 2 points
$16,244 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$1,214
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$55,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,756
- Property taxfrom the feed$1,250
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $20,530
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,525 | $114,735 | needs mortgage insurance (not modelled) |
| 10% | $1,445 | $109,920 | needs mortgage insurance (not modelled) |
| 20% | $1,284 | $100,289 | 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 92nd percentile of active Fogo Island homes
$207/sqft, city median $141/sqft.
Winter warmer
Jan–Mar · estimate
$293/mo
Est. winter heating (electricity): about $878 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,350 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%$1,284/mo
- Today, posted2026-11-04 · 6.19%$1,464/mo
- 5 years ago2021-11-03 · 4.79%$1,278/mo
- 10 years ago2016-11-02 · 4.64%$1,258/mo
At 6.19%, five years ago, the same mortgage would have cost $180 more each month than at today's posted rate.
Principal & interest only: $223,200 (80% of the $279,000 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
$1,281/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$105/mo
Principal & interest $0 + property tax $105 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-348
NOI / month
$-348
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $105 | $1,250 |
| Expenses | $244 | $2,928 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-348 | $-4,176 |
| NOI | $-348 | $-4,176 |
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