For sale · MLS® 1305147
84 Farm Road
Portugal Cove-St. Philip's, NL, A1M2T2
List price
$799,900
About this propertyMLS® 1305147
Set on a private lot with over 100 feet of pond frontage on Clements Pond, this beautifully rebuilt home offers the perfect blend of luxury and tranquility. Enjoy year-round outdoor living with a private dock, tiki hut, and direct access for swimming, kayaking, and paddle boarding. Extensively renovated, the home was taken back to the studs and expanded into a fully developed two-storey with a loft over the garage. Featuring 5 spacious bedrooms, 4 bathrooms and a bright living room with stunning water views, this home is designed for both comfort and entertaining. The open-concept main floor flows seamlessly to a large rear deck, while an upstairs landing provides the perfect space to relax and take in breathtaking sunsets. The basement offers a family room, bedroom, and hobby space with its own entrance—ideal for extended family or a home-based business. Also a great space to just add a kitchen to turn it into an in-law apartment. Major upgrades include windows, roofing, septic (2024), water system updates (2025), and hot water tank (2026). With a reliable water supply, modern finishes, and a detached shed/workshop, this property offers peace of mind and exceptional value. A rare opportunity to own a private waterfront retreat just minutes from St. John’s! (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 | Mud room Bedroom Family room | 13 x 10 · 130 sqft 16 x 10 · 160 sqft 15 x 16 · 240 sqft |
| Second level | Bedroom Bedroom Primary Bedroom | 11.5 x 14 · 161 sqft 11.5 x 14 · 161 sqft 12 x 15 · 180 sqft |
| Main level | Bedroom Kitchen Dining room Living room | 14.4 x 10 · 144 sqft 13 x 10 · 130 sqft 12 x 15 · 180 sqft 15 x 15 · 225 sqft |
The neighbourhood
Portugal Cove-St. Philip's at a glance
Live market stats for Portugal Cove-St. Philip's — 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
$400k
Price range
$35k – $1.2M
Typical build
2002
Average size
3,028 sqft
Where Portugal Cove-St. Philip's listings are priced
Every active list price in Portugal Cove-St. Philip's, grouped into bands.
List price, thousands of $ · 65 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 19 |
| 200–300 | 7 |
| 300–400 | 6 |
| 400–500 | 10 |
| 500–750 | 11 |
| 750–1M | 8 |
| 1M+ | 4 |
How Portugal Cove-St. Philip's compares
Median list price against the next biggest markets — click a row for that area guide.
Portugal Cove-St. Philip'snearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
154 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 6:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$2,800 / year
≈ $233 / 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
4 places shown · 3 routes · OpenStreetMap · OSRM
- 22 min to downtown St. John's16.2 km
- 19 min to Memorial University14 km
- 9 min to Avalon Mall5.9 km
Groceries 3
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
$703/mo
Est. winter heating (electricity) — about $2,108 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 3,240 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: $257,486
Closing costs + five years of running costs + 60 mortgage payments on a $799,900 home.
If rates rise 2 points
$45,702 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$3,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$159,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,216
- Property taxfrom the feed$2,800
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $40,580
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $4,198 | $297,256 | needs mortgage insurance (not modelled) |
| 10% | $3,977 | $283,999 | needs mortgage insurance (not modelled) |
| 20% | $3,535 | $257,486 | 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%$3,535/mo
- Today, posted2026-11-04 · 6.19%$4,198/mo
- 5 years ago2021-11-03 · 4.79%$3,663/mo
- 10 years ago2016-11-02 · 4.64%$3,608/mo
At 6.19% — five years ago — the same mortgage would have cost $663 more each month than at today's posted rate.
Principal & interest only: $639,920 (80% of the $799,900 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 2026-11-04. 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 35 active
Priced at the 69th percentile of active Portugal Cove-St. Philip's homes
$247/sqft — city median $231/sqft.
Errand score
walk-time weighted
8
grocery 1.1 km
Nearest errand: Voisey's Brook Park (park) — 950 m, about 12 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?Yes · 1.1 kmElaine's Grocery & Hardware
- 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
$3,453/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
$234/mo
Principal & interest $0 + property tax $234 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-999
NOI / month
$-999
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $234 | $2,800 |
| Expenses | $766 | $9,192 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-999 | $-11,988 |
| NOI | $-999 | $-11,988 |
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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