21 Ryans Lane
Brigus Junction, NL, A0B1G0
List price
$424,900
About this propertyMLS® 1305251
Whether you're searching for a peaceful year-round home or the perfect recreational retreat, this beautifully upgraded property in the sought-after community of Brigus Junction offers the best of both worlds. Perched on a hillside, the home enjoys a beautiful southeasterly view overlooking Whalen's Pond and the surrounding countryside. The inviting open-concept living area features cathedral wood ceilings and skylights, creating a warm and spacious atmosphere. The modern kitchen is complete with recently added high-end appliances, while the beautifully renovated bathroom boasts a large walk-in shower. The developed basement adds even more living space with a family room, fourth bedroom and second bathroom. Comfort is provided by electric baseboard heating, complemented by a ductless mini-split system with two heads. Enjoy the scenery from the expansive front deck or relax and entertain on the private rear deck. Another outstanding feature is the 25' x 25' detached garage, fully wired and developed for entertaining, with epoxy flooring and garage door opener, in addition to the home's built-in garage for convenient storage. The current owners have taken this property to another level, transforming it into something truly special. A wonderful opportunity to enjoy peaceful surroundings, beautiful views and comfortable living, all within convenient reach of larger centers.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Rooms
| Basement | Workshop Bath (# pieces 1-6) Bedroom Family room | 15' x 35'6"" 5'9"" x 9'2"" 11'11"" x 12'8"" 12' x 17'4"" |
| Main level | Bedroom Bedroom Primary Bedroom Bath (# pieces 1-6) Kitchen Dining nook Living room Porch | 8'6"" x 10'3"" 8'7"" x 14'9"" 10'7"" x 12'11"" 8'6"" x 10'7"" 8'8"" x 10'11"" 7'1"" x 10'11"" 14'9"" x 15'9"" 9'3"" x 9' |
Brigus Junction at a glance
Live market stats for Brigus Junction: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
18
Median list price
$385k
Price range
$76k – $640k
Typical build
2009
Average size
2,034 sqft
Where Brigus Junction listings are priced
Every active list price in Brigus Junction, grouped into bands.
List price, thousands of $ · 18 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 5 |
| 300–400 | 6 |
| 400–500 | 3 |
| 500–750 | 4 |
How Brigus Junction compares
Median list price against the next biggest markets. Click a row for that area guide.
Brigus Junctionnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
156 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$500 / year
≈ $42 / month · assessment year 2026
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: $134,543
Closing costs + five years of running costs + 60 mortgage payments on a $424,900 home.
If rates rise 2 points
$24,739 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$1,798
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$84,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,182
- Property taxfrom the feed$500
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $13,910
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,322 | $156,543 | needs mortgage insurance (not modelled) |
| 10% | $2,200 | $149,210 | needs mortgage insurance (not modelled) |
| 20% | $1,956 | $134,543 | 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.
Price ghosts
$/sqft vs 13 active
Priced at the 38th percentile of active Brigus Junction homes
$187/sqft, city median $256/sqft.
Winter warmer
Jan–Mar · estimate
$197/mo
Est. winter heating (heat pump electricity): about $591 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,270 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%$1,956/mo
- Today, posted2026-11-04 · 6.19%$2,230/mo
- 5 years ago2021-11-03 · 4.79%$1,946/mo
- 10 years ago2016-11-02 · 4.64%$1,916/mo
At 6.19%, five years ago, the same mortgage would have cost $274 more each month than at today's posted rate.
Principal & interest only: $339,920 (80% of the $424,900 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
$1,833/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$42/mo
Principal & interest $0 + property tax $42 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-531
NOI / month
$-531
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $42 | $500 |
| Expenses | $490 | $5,880 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-531 | $-6,372 |
| NOI | $-531 | $-6,372 |
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