For sale · MLS® 1305095
8 Vaughan Road
Small Point, NL, A0A1L0
List price
$399,900
About this propertyMLS® 1305095
Welcome this beautiful newly built two-bedroom, one bathroom home, where modern design meets cozy coastal living. Thoughtfully designed with an inviting open concept layout, this home offers a bright and airy feel, creating the perfect space to relax, entertain, and enjoy everyday living. The stylish kitchen features high end appliances, convenient walk-in pantry offering functionality. Step outside onto a large deck where you can unwind, entertain guests, and take in the beautiful ocean views. With contemporary finishes, a warm and welcoming atmosphere and the added convenience of being wired for a generator, this home offers comfort and practicality in one beautiful package. Whether you are looking to downsize, purchase your first home or enjoy a peaceful coastal lifestyle this property is sure to impress. (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
| Main level | Laundry room Bedroom Bedroom Bath (# pieces 1-6) Not known Dining room Kitchen Living room Porch | 6x5 · 30 sqft 9x12 · 108 sqft 9x12 · 108 sqft 9x6 · 54 sqft 6x4 · 24 sqft 13x15 · 195 sqft 9x13 · 117 sqft 17x16 · 272 sqft 6x6 · 36 sqft |
The neighbourhood
Small Point at a glance
Live market stats for Small Point — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
1
Median list price
$400k
Price range
$400k – $400k
Typical build
2026
Average size
1,224 sqft
Where Small Point listings are priced
Every active list price in Small Point, grouped into bands.
List price, thousands of $ · 1 homes
View as table
| Price band ($) | Listings |
|---|---|
| 300–400 | 1 |
How Small Point compares
Median list price against the next biggest markets — click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
47 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 3:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$900 / year
≈ $75 / month · assessment year 2026
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet — dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · 3 routes · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet — OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
- 105 min to downtown St. John's128 km
- 104 min to Memorial University126.7 km
- 110 min to Avalon Mall133.5 km
Nothing mapped within 1.5 km of this address.
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
$106/mo
Est. winter heating (heat pump electricity) — about $319 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,224 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: $122,428
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$22,848 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$1,698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$79,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$638
- Property taxfrom the feed$900
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $13,190
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,099 | $142,311 | needs mortgage insurance (not modelled) |
| 10% | $1,988 | $135,684 | needs mortgage insurance (not modelled) |
| 20% | $1,767 | $122,428 | 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%$1,767/mo
- Today, posted2026-10-28 · 6.19%$2,099/mo
- 5 years ago2021-11-03 · 4.79%$1,831/mo
- 10 years ago2016-11-02 · 4.64%$1,804/mo
At 6.19% — five years ago — the same mortgage would have cost $331 more each month than at today's posted rate.
Principal & interest only: $319,920 (80% of the $399,900 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.
Monthly carrying cost
$1,685/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
$75/mo
Principal & interest $0 + property tax $75 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-500
NOI / month
$-500
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $75 | $900 |
| Expenses | $425 | $5,100 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-500 | $-6,000 |
| NOI | $-500 | $-6,000 |
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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