10 Roaches Line
Roaches Line, NL, A0A1W0
List price
$199,900
About this propertyMLS® 1305293
Welcome to 10 Roaches Line! This property is located in a tax free area! Annual garbage collection is optional. This lovely home or cottage is located just minutes away from Bay Roberts and the historical towns of Brigus & Cupids. This home was built in the late 80s and has received many upgrades in the last 5-10 years. Upgrades include PEX water lines, a mini-split, new flooring, new shingles, a 125 amp electrical panel, landscaping and flower beds, a multi vehicle paved driveway, a new septic system, and a new drilled well, among others. This property has 2 nicely sized bedrooms, a bathroom, and a kitchen/eating area. There is a deck out front as well as one to the rear of the back door. There is a 12'x10' garage-style shed constructed from pressure-treated lumber, suitable for gardening tools, a lawn mower, a snow blower, etc. This property won't last long so reach out to arrange a viewing.
Property details
More details
Overview
The home
Systems & utilities
Size & land
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
| Main level | Laundry room Bath (# pieces 1-6) Bedroom Primary Bedroom Living room Kitchen | 6.2 x 6.4 · 40 sqft 11 x 6.4 · 70 sqft 14.8 x 9.1 · 135 sqft 12.4 x 11.9 · 148 sqft 16 x 11.10 · 178 sqft 18 x 8 · 144 sqft |
Roaches Line at a glance
Live market stats for Roaches Line: 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
$110k
Price range
$80k – $200k
Typical build
1985
Average size
821 sqft
Where Roaches Line listings are priced
Every active list price in Roaches Line, grouped into bands.
List price, thousands of $ · 3 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 3 |
How Roaches Line compares
Median list price against the next biggest markets. Click a row for that area guide.
Roaches Linenearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
108 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
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: $65,290
Closing costs + five years of running costs + 60 mortgage payments on a $199,900 home.
If rates rise 2 points
$11,639 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$898
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$39,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$438
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $7,690
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,093 | $75,640 | needs mortgage insurance (not modelled) |
| 10% | $1,035 | $72,190 | needs mortgage insurance (not modelled) |
| 20% | $920 | $65,290 | 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. 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.
Winter warmer
Jan–Mar · estimate
$73/mo
Est. winter heating (heat pump electricity): about $219 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 842 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%$920/mo
- Today, posted2026-11-04 · 6.19%$1,049/mo
- 5 years ago2021-11-03 · 4.79%$915/mo
- 10 years ago2016-11-02 · 4.64%$902/mo
At 6.19%, five years ago, the same mortgage would have cost $129 more each month than at today's posted rate.
Principal & interest only: $159,920 (80% of the $199,900 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
$843/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$0/mo
Principal & interest $0 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-250
NOI / month
$-250
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $250 | $3,000 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-250 | $-3,000 |
| NOI | $-250 | $-3,000 |
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