For sale · MLS® 1305202
10 Dennys Pond Road
New Harbour, NL, A0B2P0
List price
$149,900
About this propertyMLS® 1305202
Welcome to 10 Denny's Pond Road, New Harbour cottage area. A well kept cabin surrounded by trees on a level one acre lot and a large detached garage. Cozy living area with wood stove open to the kitchen and eating area, great for entertaining guests (all cabin appliances included). There are two nice size bedrooms, laundry room, side door entrance with closet and an updated bathroom Considerable upgrades in 2015 to the older cabin plus a large extension that doubled the size of the cabin which included a new septic system, shingles, bathroom and more. There is also access to Dennys Pond just across the road. This gorgeous cabin is located close to, hiking trails, fishing, boating and many more outside recreational activities. It is also only a few of minutes from the Dildo Brewery and other restaurants in the area. Not to mention you be only about 30 minutes from scenic Conception Bay and the Towns of Brigus, Bay Roberts, Carbonear, Harbour Grace, Salmon Cove Sands, etc. Located just 1 hour 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
| Main level | Laundry room Bedroom Bath (# pieces 1-6) Bedroom Living room Eat in kitchen | 7 x 7.8 · 55 sqft 11.6 x 9.6 · 111 sqft 3 pcs 11.6 x 12 · 139 sqft 15.6 x 11.9 · 186 sqft 15.6 x 11.9 · 186 sqft |
The neighbourhood
New Harbour at a glance
Live market stats for New Harbour — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
3
Median list price
$150k
Price range
$80k – $300k
Typical build
1998
Average size
1,432 sqft
Where New Harbour listings are priced
Every active list price in New Harbour, grouped into bands.
List price, thousands of $ · 3 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 1 |
How New Harbour 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
68 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 7:00 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).
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.
- 86 min to downtown St. John's105.4 km
- 85 min to Memorial University104.1 km
- 91 min to Avalon Mall110.9 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
$198/mo
Est. winter heating (electricity) — about $593 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 912 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: $53,377
Closing costs + five years of running costs + 60 mortgage payments on a $149,900 home.
If rates rise 2 points
$8,564 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$698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$29,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,186
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $11,430
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $787 | $60,829 | needs mortgage insurance (not modelled) |
| 10% | $745 | $58,345 | needs mortgage insurance (not modelled) |
| 20% | $662 | $53,377 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-05), 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 rate2026-11-05 · 4.44%$662/mo
- Today, posted2026-11-04 · 6.19%$787/mo
- 5 years ago2021-11-03 · 4.79%$686/mo
- 10 years ago2016-11-02 · 4.64%$676/mo
At 6.19% — five years ago — the same mortgage would have cost $124 more each month than at today's posted rate.
Principal & interest only: $119,920 (80% of the $149,900 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
$603/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
$-188
NOI / month
$-188
Cap rate
-1.51%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $188 | $2,256 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-188 | $-2,256 |
| NOI | $-188 | $-2,256 |
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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