For sale · MLS® 1305114
6 Back Road
Tors Cove, NL, A0A4A0
List price
$299,900
About this propertyMLS® 1305114
If you are looking for a lovely mature property on the Irish Loop, then check out this spacious home and property in scenic Tors Cove. Just 35 minutes from town, this home is a perfect spot for a growing family or for someone looking to enjoy quiet country living. The home is located on a quiet road that leads to the beautiful Cribbies area. Mature trees provide privacy in the front and the rear yard offers great potential for a large garage, gardens and more. Built in 1985, the main part of the home offers an open concept living room and dining area, with large windows for natural light and lovely hardwood floors and crown molding. The kitchen is a perfect spot for a cozy eat in space or can be upgraded to add more cabinets and countertop. The main bath is bright with lots of white cabinetry. The laundry area is extra spacious and is a great utility and storage area. 3 bedrooms complete this level, 2 of which are part of an extension that was added in 2001. The loft area was also part of the extension and is a perfect bedroom or bonus area. Enjoy long summer days on the multi level rear deck. The home has a 200 amp breaker panel, artesian well and a newer septic system, and the shed is perfect for storage. This home offers so much more space than it appears and might just be the property you've been waiting for. This is a no property tax area. Local service fees are $225 a year, plus $225 a year for Eastern Regional garbage collection. (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
| Second level | Bedroom | 13.8 X 20.11 · 278 sqft |
| Main level | Bedroom Bedroom Primary Bedroom Laundry room Bath (# pieces 1-6) Other Kitchen Dining room Living room Porch | 9.2 X 10.9 · 100 sqft 10.3 X 17.5 · 180 sqft 10.2 X 14 · 143 sqft 9.8 X 10.9 · 107 sqft 5.2 X 9.9 · 51 sqft 7 X 9.8 · 69 sqft 9.8 X 9.8 · 96 sqft 9.9 X 10.1 · 100 sqft 12.9 X 13.11 · 169 sqft 4.8 X 5.2 · 25 sqft |
The neighbourhood
Tors Cove at a glance
Live market stats for Tors Cove — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
18
Median list price
$77k
Price range
$45k – $2M
Typical build
1976
Average size
2,349 sqft
Where Tors Cove listings are priced
Every active list price in Tors Cove, grouped into bands.
List price, thousands of $ · 18 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 14 |
| 200–300 | 1 |
| 300–400 | 1 |
| 400–500 | 1 |
| 1M+ | 1 |
How Tors Cove compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
74 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 5:00 p.m.
Flood & zoning are mapped for St. John's only
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
1 place shown · 3 routes · OpenStreetMap · OSRM
- 40 min to downtown St. John's44.2 km
- 47 min to Memorial University47.8 km
- 53 min to Avalon Mall54.5 km
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
$377/mo
Est. winter heating (electricity) — about $1,132 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,740 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: $99,142
Closing costs + five years of running costs + 60 mortgage payments on a $299,900 home.
If rates rise 2 points
$17,135 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$1,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$59,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,264
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,820
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,574 | $114,052 | needs mortgage insurance (not modelled) |
| 10% | $1,491 | $109,082 | needs mortgage insurance (not modelled) |
| 20% | $1,325 | $99,142 | 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. 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 rate2026-11-04 · 4.44%$1,325/mo
- Today, posted2026-10-28 · 6.19%$1,574/mo
- 5 years ago2021-11-03 · 4.79%$1,373/mo
- 10 years ago2016-11-02 · 4.64%$1,353/mo
At 6.19% — five years ago — the same mortgage would have cost $248 more each month than at today's posted rate.
Principal & interest only: $239,920 (80% of the $299,900 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
7
park 330 m
Nearest errand: Park (park) — 330 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?No school mapped within 1 km
- 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
$1,207/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
$-375
NOI / month
$-375
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $375 | $4,500 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-375 | $-4,500 |
| NOI | $-375 | $-4,500 |
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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