For sale · MLS® 1305163
214 Water Street
Bay Roberts, NL, A0A1G0
List price
$229,900
About this propertyMLS® 1305163
Welcome to 214 Water Street, Bay Roberts! Situated along the waterfront, this spacious two-storey property offers incredible potential for homeowners and investors alike! Featuring 2,380 square feet of living space, this detached, two-apartment home offers a total of 6 bedrooms and 2 bathrooms, with separate kitchens, living areas, and laundry facilities. The versatile layout provides an excellent opportunity for rental income, multigenerational living, or occupying one unit while renting the other. Enjoy beautiful water views, municipal water services, electric baseboard heating, and a double gravel driveway. Conveniently located in Bay Roberts, this property combines generous living space with the added benefit of waterfront living. Whether you're looking to expand your investment portfolio or find a home with income potential, 214 Water Street is an opportunity worth exploring! (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
| Second level | Bedroom Bedroom Bedroom Bath (# pieces 1-6) Living room Kitchen Porch Laundry room Foyer | 10.5x12 · 126 sqft 9.5x9.5 · 90 sqft 12x16 · 192 sqft 6x8 · 48 sqft 12x20 · 240 sqft 13x15 · 195 sqft 5.5x12 · 66 sqft 5x7.5 · 38 sqft 6x12 · 72 sqft |
| Lower level | Bedroom | 10x11 · 110 sqft |
| Main level | Bedroom Bedroom Bath (# pieces 1-6) Kitchen Laundry room Foyer Porch | 11x13 · 143 sqft 10x11 · 110 sqft 5x9 · 45 sqft 14x14 · 196 sqft 10x14 · 140 sqft 4x4 · 16 sqft 4x6 · 24 sqft |
The neighbourhood
Bay Roberts at a glance
Live market stats for Bay Roberts — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
76
Median list price
$205k
Price range
$15k – $1.7M
Typical build
1980
Average size
2,152 sqft
Where Bay Roberts listings are priced
Every active list price in Bay Roberts, grouped into bands.
List price, thousands of $ · 76 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 38 |
| 200–300 | 14 |
| 300–400 | 7 |
| 400–500 | 11 |
| 500–750 | 3 |
| 750–1M | 2 |
| 1M+ | 1 |
How Bay Roberts 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
0 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 4:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,039 / year
≈ $87 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
5 places shown · 3 routes · OpenStreetMap · OSRM
- 75 min to downtown St. John's91.9 km
- 74 min to Memorial University90.7 km
- 79 min to Avalon Mall97.5 km
Schools 3
Parks 2
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
$516/mo
Est. winter heating (electricity) — about $1,549 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,380 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: $89,665
Closing costs + five years of running costs + 60 mortgage payments on a $229,900 home.
If rates rise 2 points
$13,135 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$1,018
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$45,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,098
- Property taxfrom the feed$1,039
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $26,185
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,207 | $101,095 | needs mortgage insurance (not modelled) |
| 10% | $1,143 | $97,285 | needs mortgage insurance (not modelled) |
| 20% | $1,016 | $89,665 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-06), 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 rate2026-11-06 · 4.44%$1,016/mo
- Today, posted2026-11-04 · 6.19%$1,206/mo
- 5 years ago2021-11-03 · 4.79%$1,053/mo
- 10 years ago2016-11-02 · 4.64%$1,037/mo
At 6.19% — five years ago — the same mortgage would have cost $190 more each month than at today's posted rate.
Principal & interest only: $183,920 (80% of the $229,900 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 37 active
Priced at the 19th percentile of active Bay Roberts homes
$97/sqft — city median $150/sqft.
Errand score
walk-time weighted
4
park 700 m
Nearest errand: Community Gardens (park) — 700 m, about 9 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
$1,012/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
$87/mo
Principal & interest $0 + property tax $87 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-287
NOI / month
$-287
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $87 | $1,039 |
| Expenses | $201 | $2,412 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-287 | $-3,444 |
| NOI | $-287 | $-3,444 |
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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