4 Harbourview Road
Embree, NL, A0G3A0
List price
$115,000
About this propertyMLS® 1305038
Welcome to 4 Harborview Rd, located in the coastal community of Embree, Newfoundland! This charming older two-story home offers plenty of character and space, featuring four bedrooms, one bathroom, and beautiful ocean views. The main floor consist of a kitchen, dining area, living room, two bedrooms and main bath. The upper level has 2 bonus bedrooms. Situated on a quiet, low-traffic street, it’s an ideal setting for a growing family. The home is heated by both an oil furnace and a wood furnace, providing flexible heating options. Currently being used as a rental property, it also presents an excellent opportunity for investors. Conveniently located less than 10 minutes from Lewisporte, you’ll have easy access to shopping, amenities, and everyday essentials. Whether you’re looking for a family home or an investment opportunity, this could be the property for you. Call today to schedule your viewing!
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
View rooms as table
| Second level | Bedroom Bedroom | 11.5x9 · 104 sqft 12.5x9 · 113 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Dining room Foyer Bedroom Living room Kitchen | 5x11.5 · 58 sqft 11.5x12 · 138 sqft 10.4x12 · 125 sqft 5x4 · 20 sqft 11x9 · 99 sqft 12x12.5 · 150 sqft 8.5x11 · 94 sqft |
Embree at a glance
Live market stats for Embree: 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
$40k
Price range
$20k – $115k
Typical build
1970
Average size
1,290 sqft
Where Embree listings are priced
Every active list price in Embree, grouped into bands.
List price, thousands of $ · 3 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 3 |
How Embree compares
Median list price against the next biggest markets. Click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
13 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Grand Falls - Windsor · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$876 / year
≈ $73 / month
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 · 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.
Nothing mapped within 1.5 km of this address.
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $56,665
Closing costs + five years of running costs + 60 mortgage payments on a $115,000 home.
If rates rise 2 points
$6,696 more over five years if the rate is 6.84% instead of 4.84% (P&I only).
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$558
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$23,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,594
- Property taxfrom the feed$876
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $22,850
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $629 | $62,619 | needs mortgage insurance (not modelled) |
| 10% | $595 | $60,635 | needs mortgage insurance (not modelled) |
| 20% | $529 | $56,665 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 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.
Winter warmer
Jan–Mar · estimate
$432/mo
Est. winter heating (heating oil): about $1,297 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 1,290 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$529/mo
- Today, posted2026-11-04 · 6.19%$603/mo
- 5 years ago2021-11-03 · 4.79%$527/mo
- 10 years ago2016-11-02 · 4.64%$519/mo
At 6.19%, five years ago, the same mortgage would have cost $74 more each month than at today's posted rate.
Principal & interest only: $92,000 (80% of the $115,000 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
$558/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$73/mo
Principal & interest $0 + property tax $73 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-144
NOI / month
$-144
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $73 | $876 |
| Expenses | $71 | $852 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-144 | $-1,728 |
| NOI | $-144 | $-1,728 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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