For sale · MLS® 1305134
44 Fort Louis Road
Jerseyside, NL, A0B2G0
List price
$89,000
About this propertyMLS® 1305134
Perched on an elevated lot overlooking the picturesque waters of Jerseyside Harbour, 44 Fort Louis Road offers stunning views, a peaceful setting, and an exciting opportunity to make this property your own! This home offers a functional layout with a spacious kitchen featuring plenty of cabinetry, a bright living area with hardwood flooring, and generously sized rooms offering flexibility to suit your needs. With two bathrooms, including one featuring a relaxing soaker tub and tiled surround, the home has some great features already in place. While the property could benefit from some finishing touches, it presents a fantastic opportunity for buyers looking to add their own style and build equity. Whether you're searching for a family home, an investment property, or a renovation project, there's plenty of potential here! Outside, enjoy the elevated setting, mature trees, outdoor deck space, and breathtaking views of the harbour and surrounding community. Imagine enjoying your morning coffee while taking in the beautiful coastal scenery! Located in the historic community of Jerseyside, you're just minutes from the amenities of Placentia while enjoying the charm and tranquility of small-town Newfoundland living. With views like these and plenty of room to make it your own, 44 Fort Louis Road is an opportunity worth exploring! (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 | Bath (# pieces 1-6) Bedroom Bedroom | 3 x 4.11 · 12 sqft 8.5 x 20 · 170 sqft 20.5 x 9.7 · 199 sqft |
| Main level | Bath (# pieces 1-6) Laundry room Kitchen Living room | 6 x 6 · 36 sqft 8.6 x 7.1 · 61 sqft 11.8 x 12.9 · 152 sqft 11 x 10 · 110 sqft |
The neighbourhood
Jerseyside at a glance
Live market stats for Jerseyside — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
4
Median list price
$159k
Price range
$30k – $249k
Typical build
1955
Average size
1,556 sqft
Where Jerseyside listings are priced
Every active list price in Jerseyside, grouped into bands.
List price, thousands of $ · 4 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 2 |
How Jerseyside compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
46 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 1 · Low risk · Burin · updated 5:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$924 / year
≈ $77 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
10 places shown · OpenStreetMap · OSRM
Schools 1
Groceries 1
Parks 8
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
$219/mo
Est. winter heating (electricity) — about $656 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,008 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: $42,234
Closing costs + five years of running costs + 60 mortgage payments on a $89,000 home.
If rates rise 2 points
$5,085 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$454
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$17,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,312
- Property taxfrom the feed$924
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,680
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $467 | $46,659 | needs mortgage insurance (not modelled) |
| 10% | $442 | $45,184 | needs mortgage insurance (not modelled) |
| 20% | $393 | $42,234 | 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%$393/mo
- Today, posted2026-10-28 · 6.19%$467/mo
- 5 years ago2021-11-03 · 4.79%$408/mo
- 10 years ago2016-11-02 · 4.64%$401/mo
At 6.19% — five years ago — the same mortgage would have cost $74 more each month than at today's posted rate.
Principal & interest only: $71,200 (80% of the $89,000 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
29
grocery 300 m, school 970 m
Nearest errand: Super1Stop (grocery) — 300 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 · 970 mLaval High School (Placentia)
- Grocery nearby?Yes · 300 mSuper1Stop
- 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
$435/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
$77/mo
Principal & interest $0 + property tax $77 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-112
NOI / month
$-112
Cap rate
-1.51%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $77 | $924 |
| Expenses | $35 | $420 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-112 | $-1,344 |
| NOI | $-112 | $-1,344 |
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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