For sale · MLS® 1305024
9-11 Barn Hill Road
Baie Verte, NL, A0K1B0
List price
$599,900
About this propertyMLS® 1305024
Investors alert! A great investment property with 8 - two bedroom units and 1 - one bedroom unit. Lower level is great for storage or develop for extra rental space. Each well maintained unit has a fridge, stove, panel box, and have been upgraded with newer laminate flooring. There are some extra hall storage units for the tenants. Building has the newer vinyl windows & roof shingles were replaced within last 5 years. A great opportunity for the right investor! Call today for all the extra details! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
The neighbourhood
Baie Verte at a glance
Live market stats for Baie Verte — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
4
Median list price
$202k
Price range
$80k – $600k
Typical build
1993
Average size
3,915 sqft
Where Baie Verte listings are priced
Every active list price in Baie Verte, grouped into bands.
List price, thousands of $ · 4 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 1 |
| 500–750 | 1 |
How Baie Verte compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
20 m
0300 mmetres above sea level
Flood, zoning & air quality are mapped for St. John's only
Property tax
$4,400 / year
≈ $367 / month · assessment year 2026
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
12 places shown · OpenStreetMap · OSRM
Schools 7
Groceries 4
Parks 1
Cost & context
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.
Winter warmer
Jan–Mar · estimate
$3,497/mo
Est. winter heating (heating oil) — about $10,491 for January through March.
Estimate — not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 10,434 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $295,482
Closing costs + five years of running costs + 60 mortgage payments on a $599,900 home.
If rates rise 2 points
$34,275 more over five years if the rate is 6.44% instead of 4.44% — P&I only.
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$2,498
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$119,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$20,982
- Property taxfrom the feed$4,400
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $132,410
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,148 | $325,308 | needs mortgage insurance (not modelled) |
| 10% | $2,983 | $315,366 | needs mortgage insurance (not modelled) |
| 20% | $2,651 | $295,482 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-02), 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.
Rate time machine
same house · same down payment
Same house, same down payment — your payment today at 4.44%best market rate · posted was 6.19%
- Today, best market rate2026-11-02 · 4.44%$2,651/mo
- Today, posted2026-10-28 · 6.19%$3,148/mo
- 5 years ago2021-11-03 · 4.79%$2,747/mo
- 10 years ago2016-11-02 · 4.64%$2,706/mo
At 6.19% — five years ago — the same mortgage would have cost $497 more each month than at today's posted rate.
Principal & interest only: $479,920 (80% of the $599,900 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 2026-10-28. 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.
Errand score
walk-time weighted
37
grocery 210 m, school 460 m
Nearest errand: Clover Farms (grocery) — 210 m, about 3 min on foot.
Walk-time-weighted from OpenStreetMap + ODEF school data; straight-line distance at 4.8 km/h. Weights: grocery 1.0, school 0.9, health 0.8, park 0.4, café 0.35, bus 0.3 — nearest place per category only. Half-value every 6 minutes of walking; nothing scores past a 15-minute walk. 100 = every category at the door. This is a mapping of what's drawn on the map, not a survey of what exists.
Ask this listing
open data · 3 questions
- School within 1 km?Yes · 460 mCopper Ridge Academy (Baie Verte)
- Grocery nearby?Yes · 210 mClover Farms
- Bus stop?No bus stop mapped within 800 m
From OpenStreetMap + ODEF schools (straight-line distance) and the City of St. John's flood & zoning maps. Flood and zoning are mapped for St. John's only; elsewhere those questions don't appear because we don't know the answer.
Monthly carrying cost
$2,781/mo
Plan ahead
Calculators
Estimate payments and returns before you make an offer — all in one place.
Plan ahead
Mortgage & investment calculator
Estimated monthly payment
$367/mo
Principal & interest $0 + property tax $367 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-749
NOI / month
$-749
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $367 | $4,400 |
| Expenses | $383 | $4,596 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-749 | $-8,988 |
| NOI | $-749 | $-8,988 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Get in touch
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
A real person, every time
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
Your details go straight to Haris — never shared, never spammed.