For sale · MLS® 1305094
102 Harbour Road
Colliers, NL, A0A1Y0
List price
$45,000
About this propertyMLS® 1305094
What a lovely 1/4 acre lot directly across the road from the ocean with direct access to the water. Gently sloped up from the road just enough to see the setting sun over the harbour. Town water is in the area but will need a special septic system for approval from dept of health. I just love this setting. It's tranquil and scenic. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
The neighbourhood
Colliers at a glance
Live market stats for Colliers — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
14
Median list price
$145k
Price range
$22k – $460k
Typical build
1969
Average size
1,539 sqft
Where Colliers listings are priced
Every active list price in Colliers, grouped into bands.
List price, thousands of $ · 14 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 10 |
| 200–300 | 3 |
| 400–500 | 1 |
How Colliers compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
0 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 6:00 p.m.
Flood & zoning are mapped for St. John's only
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
2 places shown · 3 routes · OpenStreetMap · OSRM
- 57 min to downtown St. John's63.4 km
- 57 min to Memorial University62.7 km
- 62 min to Avalon Mall69.5 km
Schools 2
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $27,341
Closing costs + five years of running costs + 60 mortgage payments on a $45,000 home.
If rates rise 2 points
$2,571 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$278
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$9,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $13,630
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $236 | $29,578 | needs mortgage insurance (not modelled) |
| 10% | $224 | $28,832 | needs mortgage insurance (not modelled) |
| 20% | $199 | $27,341 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-03), 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.
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 rate2026-11-03 · 4.44%$199/mo
- Today, posted2026-10-28 · 6.19%$236/mo
- 5 years ago2021-11-03 · 4.79%$206/mo
- 10 years ago2016-11-02 · 4.64%$203/mo
At 6.19% — five years ago — the same mortgage would have cost $37 more each month than at today's posted rate.
Principal & interest only: $36,000 (80% of the $45,000 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 2026-10-28. 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
10
school 580 m
Nearest errand: Immaculate Conception (school) — 580 m, about 7 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 · 580 mImmaculate Conception
- Grocery nearby?No grocery mapped within 1.5 km
- 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
$181/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
$0/mo
Principal & interest $0 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$0
NOI / month
$0
Cap rate
0.00%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $0 | $0 |
| NOI | $0 | $0 |
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
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