For sale · MLS® 1305124
54 Main Road
Pouch Cove, NL, A0A3L0
List price
$549,900
Seller's direction · offers
No conveyance of offers until
Tuesday, November 10 at 12:00 p.m. NST
7
days left
What a great opportunity to get 2 building lots with this house .As per sellers direction - no conveyance of written signed offers prior to noon on the Nov 10-26 .
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305124
What a great opportunity to invest in this property on the main Rd. Pouch Cove . Property is in need of some upgrading but with a little work what a great spot this would be. There is a paved driveway that goes right back to the garage and the back step . There is a eat in kitchen plus a spacious living with hardwood underneath the carpet There is 3 bedrooms on the main floor . Downstairs offers a half bathroom and a spacious rec room . The garage is large 16 x36 . The house is surrounded by beautiful mature trees for lots of privacy . This house sits on approx. one acre lot plus there is two building lots on Stiles cove road . What a great opportunity to get 2 building lots with this house .As per sellers direction - no conveyance of written signed offers prior to noon on the Nov 10-26 . All offers are to be left open for acceptance until 5pm Nov 10-26 (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 | Recreation room Bath (# pieces 1-6) | 18x18 · 324 sqft 2 pc |
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Bedroom Living room Eat in kitchen | 11.8x4.11 · 48 sqft 11.6x8 · 93 sqft 11.6x8 · 93 sqft 11.4x9.4 · 107 sqft 16.2x11 · 178 sqft 15x11.3 · 170 sqft |
The neighbourhood
Pouch Cove at a glance
Live market stats for Pouch Cove — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
30
Median list price
$219k
Price range
$40k – $1.7M
Typical build
2002
Average size
2,851 sqft
Where Pouch Cove listings are priced
Every active list price in Pouch Cove, grouped into bands.
List price, thousands of $ · 30 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 15 |
| 200–300 | 5 |
| 300–400 | 4 |
| 400–500 | 2 |
| 500–750 | 3 |
| 1M+ | 1 |
How Pouch Cove compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
88 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 11:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,700 / year
≈ $142 / month · assessment year 2025
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
6 places shown · 3 routes · OpenStreetMap · OSRM
- 33 min to downtown St. John's25.1 km
- 29 min to Memorial University21.6 km
- 30 min to Avalon Mall23.2 km
Schools 5
Groceries 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
$398/mo
Est. winter heating (electricity) — about $1,193 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,834 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: $175,544
Closing costs + five years of running costs + 60 mortgage payments on a $549,900 home.
If rates rise 2 points
$31,418 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$2,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$109,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,386
- Property taxfrom the feed$1,700
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $25,930
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,886 | $202,884 | needs mortgage insurance (not modelled) |
| 10% | $2,734 | $193,771 | needs mortgage insurance (not modelled) |
| 20% | $2,430 | $175,544 | 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. 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%$2,430/mo
- Today, posted2026-10-28 · 6.19%$2,886/mo
- 5 years ago2021-11-03 · 4.79%$2,518/mo
- 10 years ago2016-11-02 · 4.64%$2,480/mo
At 6.19% — five years ago — the same mortgage would have cost $455 more each month than at today's posted rate.
Principal & interest only: $439,920 (80% of the $549,900 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.
Price ghosts
$/sqft vs 12 active
Priced at the 58th percentile of active Pouch Cove homes
$300/sqft — city median $264/sqft.
Errand score
walk-time weighted
25
grocery 730 m, school 310 m
Nearest errand: Adventure Place Childcare (school) — 310 m, about 4 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 · 310 mAdventure Place Childcare
- Grocery nearby?Yes · 730 mCape Town Convenience
- 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
$2,355/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
$142/mo
Principal & interest $0 + property tax $142 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-687
NOI / month
$-687
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $142 | $1,700 |
| Expenses | $546 | $6,552 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-687 | $-8,244 |
| NOI | $-687 | $-8,244 |
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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