13 Smith's Loop
Lewin's Cove, NL, A0E2G0
List price
$245,000
About this propertyMLS® 1305253
If peace, privacy, and a place to truly call home are what you're looking for, this beautiful property at 13 Smiths Loop deserves a closer look! Nestled on a generous 1.5-acre lot, this charming, well-maintained home offers a wonderful combination of quiet living, comfort, and pride of ownership. Surrounded by beautiful gardens and mature trees, the property provides a peaceful and relaxing environment where you can enjoy the sunshine, listen to the birds, and take in the beauty of nature. Inside, you'll find a warm and cozy atmosphere that immediately feels like home. The interior was completely stripped back to the studs and renovated in 2008/2009, offering a refreshed and comfortable living space. The beautiful kitchen features attractive cabinetry and a dishwasher, while the main living room offers a wood-burning fireplace, creating the perfect setting for relaxing evenings. The main floor features two bedrooms and a full bathroom complete with both a bathtub and separate stand-up shower. Downstairs, the basement offers even more living space, including a family room, a full bathroom, and an additional bonus room currently being used as a bedroom. You'll also appreciate the many updates and ongoing maintenance that reflect just how well this property has been cared for: New shingles in 2013, All vinyl windows, New waterline from the curb to the house in 2025 (approximately $10,000 investment), New oil tank installed in 2026, Wood and oil combination furnace, with wood heating helping to keep fuel costs down, Chimney maintained with annual cleaning, Furnace regularly serviced. Outside, there's plenty of room to enjoy everything this property has to offer. A 32 x 18 detached garage provides excellent space for storage, projects, or hobbies, while an additional shed offers convenient storage for firewood or anything else you need. This is more than just a house; it's a property that has been genuinely loved and cared for, both inside and out.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
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
| Basement | Not known Laundry room Family room Bath (# pieces 1-6) Not known | 16.6 x 8.5 · 141 sqft 6.16 x 8.9 · 55 sqft 13.5 x 24 · 324 sqft 7.8 x 4 · 31 sqft 10 x 9.16 · 92 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Other Living room/Fireplace Dining room Kitchen | 7 x 12.16 · 85 sqft 10.75 x 12.6 · 135 sqft 12.75 x 11.9 · 152 sqft 4 x 8.4 · 34 sqft 16.3 x 16.7 · 272 sqft 11.9 x 8.4 · 100 sqft 12.9 x 16 · 206 sqft |
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
$245k
Price range
$30k – $290k
Typical build
1980
Average size
1,868 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 | 3 |
| 200–300 | 4 |
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 scores for this exact address.
Location, air, flood & taxes
Elevation
15 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Burin · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,147 / year
≈ $96 / month
Climate
Feb -1° · Aug 21°
normal daily high · WINTERLAND station · 1981–2010
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: $94,329
Closing costs + five years of running costs + 60 mortgage payments on a $245,000 home.
If rates rise 2 points
$14,265 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$1,078
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$49,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,572
- Property taxfrom the feed$1,147
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $24,095
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,339 | $107,014 | needs mortgage insurance (not modelled) |
| 10% | $1,269 | $102,786 | needs mortgage insurance (not modelled) |
| 20% | $1,128 | $94,329 | 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
$429/mo
Est. winter heating (heating oil): about $1,286 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 1,320 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.
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%$1,128/mo
- Today, posted2026-11-04 · 6.19%$1,286/mo
- 5 years ago2021-11-03 · 4.79%$1,122/mo
- 10 years ago2016-11-02 · 4.64%$1,105/mo
At 6.19%, five years ago, the same mortgage would have cost $158 more each month than at today's posted rate.
Principal & interest only: $196,000 (80% of the $245,000 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
$1,129/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$96/mo
Principal & interest $0 + property tax $96 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-306
NOI / month
$-306
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $96 | $1,147 |
| Expenses | $211 | $2,532 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-306 | $-3,672 |
| NOI | $-306 | $-3,672 |
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