For sale · MLS® 1305156
94 Main Road
Aquaforte, NL, A0A1A0
List price
$159,900
About this propertyMLS® 1305156
Offering exceptional value for the money, this move-in-ready, four-bedroom home comes packed with high-ticket upgrades—including four new mini-splits, updated PEX plumbing, huge rec room, new roof shingles, a spacious detached shed, and a covered carport. Situated along the scenic Irish Loop just an hour from the city, its prime location near the East Coast Trail, Spout River, and the world-famous Lighthouse Picnics makes it an unbeatable investment as an income-generating Bed & Breakfast, an affordable weekend getaway, or a versatile family residence. This well built home is ready for immediate occupancy, book a viewing today! (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 | Bath (# pieces 1-6) Bedroom Bedroom Recreation room | 2 PC 19x11 · 209 sqft 8.11x11.5 · 93 sqft 10x24.3 · 243 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Kitchen Dining room Porch Recreation room | 4 PC 11.11x9.6 · 107 sqft 10.7x12.11 · 130 sqft 14x15.10 · 211 sqft 13.8x10.4 · 144 sqft 12x14 · 168 sqft 26x20 · 520 sqft |
The neighbourhood
Aquaforte at a glance
Live market stats for Aquaforte — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
2
Median list price
$155k
Price range
$150k – $160k
Typical build
1964
Average size
1,519 sqft
Where Aquaforte listings are priced
Every active list price in Aquaforte, grouped into bands.
List price, thousands of $ · 2 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
How Aquaforte compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
12 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:00 p.m.
Flood & zoning are mapped for St. John's only
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).
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
$453/mo
Est. winter heating (electricity) — about $1,359 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,088 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: $63,728
Closing costs + five years of running costs + 60 mortgage payments on a $159,900 home.
If rates rise 2 points
$9,136 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$738
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$31,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,718
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $19,090
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $839 | $71,678 | needs mortgage insurance (not modelled) |
| 10% | $795 | $69,028 | needs mortgage insurance (not modelled) |
| 20% | $707 | $63,728 | 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%$707/mo
- Today, posted2026-11-04 · 6.19%$839/mo
- 5 years ago2021-11-03 · 4.79%$732/mo
- 10 years ago2016-11-02 · 4.64%$721/mo
At 6.19% — five years ago — the same mortgage would have cost $132 more each month than at today's posted rate.
Principal & interest only: $127,920 (80% of the $159,900 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.
Monthly carrying cost
$644/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
$-200
NOI / month
$-200
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $200 | $2,400 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-200 | $-2,400 |
| NOI | $-200 | $-2,400 |
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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