For sale · MLS® 1305001
540 Bauline Line
Torbay, NL, A1K1H7
List price
$89,900
About this propertyMLS® 1305001
This wooded 0.64 Acre building lot is located across from Upper Three Corner Pond Park in Torbay. This oversized lot offers 98 foot road frontage and extends 287 feet deep allowing space to build a larger custom home complete with rear yard access for your detached garage. Located just 2 minutes from the Torbay By-Pass providing an easy commute to St. John's and nearby amenities. Purchasers are responsible for submitting their own development application, fees and obtaining permits. Private well & septic will be required. Any development will be in accordance with the Town's regulations for Residential Infill zone. September 2026 survey on file . NO HST applicable. Front boundaries are marked with survey tape. The adjacent lot (536 Bauline Line) is also available for sale and listed under MLS #1305000. This sale is subject to the approval of the Finance Committee of the Diocese of Eastern Newfoundland and Labrador. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
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
65
Median list price
$299k
Price range
$15k – $2.9M
Typical build
1995
Average size
2,735 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 | 12 |
| 300–400 | 3 |
| 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
130 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
Property tax
$607 / year
≈ $51 / month
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
1 place shown · 3 routes · OpenStreetMap · OSRM
- 22 min to downtown St. John's18.1 km
- 18 min to Memorial University14.6 km
- 19 min to Avalon Mall16.2 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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $42,462
Closing costs + five years of running costs + 60 mortgage payments on a $89,900 home.
If rates rise 2 points
$5,136 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$458
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$17,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Property taxfrom the feed$607
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,665
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $472 | $46,931 | needs mortgage insurance (not modelled) |
| 10% | $447 | $45,441 | needs mortgage insurance (not modelled) |
| 20% | $397 | $42,462 | 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%$397/mo
- Today, posted2026-10-28 · 6.19%$472/mo
- 5 years ago2021-11-03 · 4.79%$412/mo
- 10 years ago2016-11-02 · 4.64%$405/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: $71,920 (80% of the $89,900 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 270 m
Nearest errand: Upper Three Corner Pond Park (park) — 270 m, about 3 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
$412/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
$51/mo
Principal & interest $0 + property tax $51 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-50
NOI / month
$-50
Cap rate
-0.67%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $51 | $607 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-50 | $-600 |
| NOI | $-50 | $-600 |
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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