For sale · MLS® 1304995
81 Bridge Road
Torbay, NL, A1K1A1
List price
$369,000
Seller's direction · offers
No conveyance of offers until
Sunday, November 8 at 11:00 a.m. NST · open for acceptance until 4:00 p.m. NST
4
days left
As per attached Seller's Direction, there will be no conveyance of offers prior to 11am on Sunday, November 8th, with offers to remain open until 4pm 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1304995
Charming, spacious, and surrounded by mature greenery, 81 Bridge Road in Torbay offers comfortable living with plenty of room to make it your own! This well-maintained, three-bedroom, 1.5-bathroom bungalow offers a functional layout, generous living spaces, and a beautiful backyard setting. The main floor welcomes you with a bright, spacious living room featuring a large front window that fills the space with natural light. An adjoining dining room provides the perfect setting for family gatherings, while the inviting eat-in kitchen offers ample cabinetry, plenty of workspace, and convenient access to the rear deck. Completing the main level are three comfortably sized bedrooms and a full bathroom. Downstairs, the partially developed basement includes a generously sized rec room, complete with a dedicated bar area that's ideal for entertaining or relaxing. This level also features a half bathroom with laundry, along with a large, unfinished storage and workshop area offering plenty of room for hobbies, projects, or future development. Outside, you'll find a spacious backyard surrounded by mature trees and gardens, creating a peaceful setting with plenty of room for outdoor enjoyment. A rear deck provides the perfect spot for summer barbecues or simply taking in the outdoors. Offering a wonderful combination of space, character, and potential, this Torbay property is ready for its next chapter. Whether you're looking for a place to settle into or an opportunity to add your personal touch, 81 Bridge Road is well worth a look! As per attached Seller's Direction, there will be no conveyance of offers prior to 11am on Sunday, November 8th, with offers to remain open until 4pm the same day. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
View rooms as table
| Basement | Storage Bath (# pieces 1-6) Recreation room | 37.1x24.9 · 924 sqft 5.5x12.1 · 67 sqft 21.10x20.6 · 435 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom Dining room Eat in kitchen Living room Foyer | 5.5x11.9 · 65 sqft 8.9x10.9 · 97 sqft 9.1x10.9 · 99 sqft 12.5x11.9 · 149 sqft 10.5x11.9 · 125 sqft 11.5x11.9 · 137 sqft 15.6x14.9 · 232 sqft 6.4x3.4 · 22 sqft |
The neighbourhood
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
66
Median list price
$350k
Price range
$15k – $2.9M
Typical build
1997
Average size
2,746 sqft
Where Torbay listings are priced
Every active list price in Torbay, grouped into bands.
List price, thousands of $ · 65 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 21 |
| 200–300 | 11 |
| 300–400 | 4 |
| 400–500 | 5 |
| 500–750 | 16 |
| 750–1M | 4 |
| 1M+ | 4 |
How Torbay compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
69 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 7:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,944 / year
≈ $162 / 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
Nearby & drive routes
10 places shown · 3 routes · OpenStreetMap · OSRM
- 21 min to downtown St. John's14.6 km
- 16 min to Memorial University11.1 km
- 17 min to Avalon Mall12.7 km
Schools 8
Groceries 1
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
$510/mo
Est. winter heating (electricity) — about $1,530 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,352 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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $131,441
Closing costs + five years of running costs + 60 mortgage payments on a $369,000 home.
If rates rise 2 points
$21,083 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$1,574
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$73,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,060
- Property taxfrom the feed$1,944
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $30,520
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,937 | $149,787 | needs mortgage insurance (not modelled) |
| 10% | $1,835 | $143,672 | needs mortgage insurance (not modelled) |
| 20% | $1,631 | $131,441 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-04), 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 rate2026-11-04 · 4.44%$1,631/mo
- Today, posted2026-11-04 · 6.19%$1,936/mo
- 5 years ago2021-11-03 · 4.79%$1,690/mo
- 10 years ago2016-11-02 · 4.64%$1,664/mo
At 6.19% — five years ago — the same mortgage would have cost $306 more each month than at today's posted rate.
Principal & interest only: $295,200 (80% of the $369,000 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.
Price ghosts
$/sqft vs 30 active
Priced at the 17th percentile of active Torbay homes
$157/sqft — city median $210/sqft.
Errand score
walk-time weighted
13
grocery 1.1 km, school 1.1 km
Nearest errand: Park (park) — 1.0 km, about 13 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?No school mapped within 1 km
- Grocery nearby?Yes · 1.1 kmKillick Coast Variety and Convenience Store
- 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
$1,647/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
$162/mo
Principal & interest $0 + property tax $162 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-462
NOI / month
$-462
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $162 | $1,944 |
| Expenses | $300 | $3,600 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-462 | $-5,544 |
| NOI | $-462 | $-5,544 |
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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