For sale · MLS® 1305191
88 Main Road
Lewin's Cove, NL, A0E2G0
List price
$289,900
About this propertyMLS® 1305191
Located in scenic Lewin’s Cove, this beautifully maintained property offers the perfect combination of comfortable living, functional space, and versatility! Set in an elevated position with beautiful water views, this home features a fully developed basement and an exceptional 28 x 22 detached garage complete with its own kitchen, two-piece bathroom, mini-split, and loft storage! A welcoming porch leads into a beautiful oak kitchen featuring high-end appliances and a bright dining nook. The spacious living room is filled with natural light and features a cozy electric fireplace, creating a warm and inviting space to relax. Three bedrooms, two showcasing beautiful wood ceilings, and a full bathroom with ample storage complete the main level. Downstairs, the fully developed basement offers additional living space with a generous family room, a second full bathroom with shower, spacious laundry and storage area, and a large mudroom ideal for busy households and outdoor enthusiasts. The detached garage is a standout feature of this property! Measuring 28 x 22, this impressive space offers far more than traditional garage storage. Complete with its own kitchen, two-piece bathroom, mini-split for heating and cooling, and a loft perfect for additional storage, it’s an incredible setup for hobbyists, entertaining, working on projects, or storing recreational equipment. Additional highlights include mini-splits on both levels of the home, PEX plumbing, a torch-on roof updated in 2017, and a large paved driveway offering plenty of parking. Whether you’re looking for a beautiful family home, room for your hobbies, or a property with exceptional bonus space, this Lewin’s Cove gem has so much to offer! Book your private 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 | Mud room Laundry room Bath (# pieces 1-6) Recreation room | 9.2 x 18.3 · 168 sqft 11.2 x 26.4 · 296 sqft 5.7 x 6.3 · 36 sqft 20.6 x 26.3 · 542 sqft |
| Main level | Primary Bedroom Bedroom Bedroom Bath (# pieces 1-6) Living room Dining room Kitchen Foyer | 11.2 x 12.1 · 136 sqft 9.5 x 9.6 · 91 sqft 9.2 x 9.6 · 88 sqft 6.10 x 9.6 · 59 sqft 19.3 x 12.1 · 234 sqft 9.2 x 10.10 · 93 sqft 9.2 x 9.9 · 91 sqft 4.4 x 4.10 · 18 sqft |
The neighbourhood
Lewin's Cove at a glance
Live market stats for Lewin's Cove — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
7
Median list price
$179k
Price range
$30k – $290k
Typical build
1980
Average size
1,978 sqft
Where Lewin's Cove listings are priced
Every active list price in Lewin's Cove, grouped into bands.
List price, thousands of $ · 7 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 4 |
| 200–300 | 3 |
How Lewin's Cove compares
Median list price against the next biggest markets — click a row for that area guide.
Lewin's Covenearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
18 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Burin · updated 9:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$641 / year
≈ $53 / month · assessment year 2026
Climate
Feb -1° · Aug 21°
normal daily high · WINTERLAND station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
1 place shown · OpenStreetMap · OSRM
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
$182/mo
Est. winter heating (heat pump electricity) — about $545 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,160 sqft. Severity 0.97× St. John's from the WINTERLAND 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: $93,785
Closing costs + five years of running costs + 60 mortgage payments on a $289,900 home.
If rates rise 2 points
$16,563 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$1,258
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$57,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,090
- Property taxfrom the feed$641
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $14,155
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,521 | $108,199 | needs mortgage insurance (not modelled) |
| 10% | $1,441 | $103,394 | needs mortgage insurance (not modelled) |
| 20% | $1,281 | $93,785 | 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%$1,281/mo
- Today, posted2026-11-04 · 6.19%$1,521/mo
- 5 years ago2021-11-03 · 4.79%$1,328/mo
- 10 years ago2016-11-02 · 4.64%$1,308/mo
At 6.19% — five years ago — the same mortgage would have cost $240 more each month than at today's posted rate.
Principal & interest only: $231,920 (80% of the $289,900 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.
Errand score
walk-time weighted
4
park 610 m
Nearest errand: Park (park) — 610 m, about 8 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
$1,220/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
$54/mo
Principal & interest $0 + property tax $54 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-362
NOI / month
$-362
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $54 | $641 |
| Expenses | $309 | $3,708 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-362 | $-4,344 |
| NOI | $-362 | $-4,344 |
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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