46 Doyles & Quigleys Lane
Torbay, NL, A1K1A7
List price
$599,900
As per the Seller's Directive, no conveyance of any written signed offers prior to 12 pm on the 9th day of November and offers must remain open for acceptance until 5 pm on the same day.
Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date.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® 1305004
Newly constructed with excellent workmanship, this beautiful two-apartment home in Torbay sits on a level, oversized, fenced lot and features a vaulted ceiling. Three bedrooms upstairs, very spacious open-concept kitchen/living room with an island, and the primary bedroom features a full three-piece ensuite w/ tub . Large family room/ rec room downstairs with large walk-in closet and laundry room. A beautiful 2 bedroom apartment with a covered entrance contains a nicely sized living room / kitchen area. Two good size bedrooms with bathroom and laundry room. Newly double paved driveway with front landscaping being completed with sod. This home is located on the same street as the elementary school and is just a short walk from the high school. Just a short 5 min drive you are on Stavanger Drive/ Hebron Drive with major shopping/ services and the Hub Health care facility. Another 10-minute drive puts you at Mun, CONA, Health Sciences, Janeway, Avalon Mall, etc. Schedule a viewing, this beautiful home will not last long. As per the Seller's Directive, no conveyance of any written signed offers prior to 12 pm on the 9th day of November and offers must remain open for acceptance until 5 pm on the same day.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Features
Fees & source
Rooms
| Lower level | Not known Bath (# pieces 1-6) Not known Not known Not known Not known Not known | 3-6 x 5-0 8-1 x 5-1 8-1 x 9-6 11-5 x 9-8 13-5 x 10-10 12-1 x 10-10 4-7 x 11-7 |
| Basement | Other Laundry room Family room | 6-6 x 4-4 6-8 x 4-4 12-9 x 18-0 |
| Main level | Bedroom Bedroom Ensuite Primary Bedroom Bath (# pieces 1-6) Eat in kitchen Living room Foyer | 9-2 x 12-9 9-1 x 12-9 7-9 x 6-1 13-6 x 11-7 7-9 x 6-0 17-8 x 11-7 13-7 x 21-5 6-6 x 7-10 |
Torbay at a glance
Live market stats for Torbay: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
64
Median list price
$295k
Price range
$15k – $2.9M
Typical build
1992
Average size
2,665 sqft
Where Torbay listings are priced
Every active list price in Torbay, grouped into bands.
List price, thousands of $ · 63 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 21 |
| 200–300 | 12 |
| 300–400 | 5 |
| 400–500 | 5 |
| 500–750 | 13 |
| 750–1M | 3 |
| 1M+ | 4 |
How Torbay 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.
Location, air, flood & taxes
Elevation
54 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
$953 / year
≈ $79 / month · assessment year 2026
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
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: $190,394
Closing costs + five years of running costs + 60 mortgage payments on a $599,900 home.
If rates rise 2 points
$34,928 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$2,498
- 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)$2,094
- Property taxfrom the feed$953
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $20,735
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,279 | $221,455 | needs mortgage insurance (not modelled) |
| 10% | $3,106 | $211,101 | needs mortgage insurance (not modelled) |
| 20% | $2,761 | $190,394 | 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 28 active
Priced at the 99th percentile of active Torbay homes
$373/sqft, city median $192/sqft.
Winter warmer
Jan–Mar · estimate
$349/mo
Est. winter heating (electricity): about $1,047 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,609 sqft. Severity 1.00× St. John's from the ST JOHN'S A station 1981–2010 normal. 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%$2,761/mo
- Today, posted2026-11-04 · 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 $387 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 2026-11-04. 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
$2,609/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$80/mo
Principal & interest $0 + property tax $80 per month
Financing breakdown
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 | $80 | $953 |
| Expenses | $670 | $8,040 |
| 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.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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- Call or text416-873-4676
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty