225 Water Street, St. Andrews: A Rare Downtown Waterfront Investment & Development Opportunity

Salt Bight Waterfront Restaurant for Sale

There are properties you purchase for what they are today, and there are properties you purchase because of what they could become.

225 Water Street in St. Andrews by-the-Sea, New Brunswick, offers both.

Located directly on the waterfront in the commercial heart of one of Atlantic Canada’s best-known seaside communities, this substantial mixed-use property combines an established commercial space, three residential units, valuable waterfront land, harbour views, parking and a location that would be extraordinarily difficult to reproduce. The building is currently home to Salt Bight Restaurant, but looking at 225 Water Street solely as a restaurant property misses much of what makes this offering so compelling. For the right investor, entrepreneur or developer, the greater opportunity may be in the real estate itself.

A Significant Piece of Downtown St. Andrews Waterfront

Finding waterfront property in St. Andrews is one thing. Finding a sizeable commercial property directly on Water Street, close to the centre of downtown, with existing residential and commercial uses already in place is something very different. 225 Water Street occupies approximately 0.36 acres and includes a substantial building with approximately 6,954 square feet of finished space. The property extends toward St. Andrews Harbour, with ownership extending to low tide, and includes waterfront land adjoining the Market Square area.

It is this combination of downtown location, waterfront ownership, existing building area and multiple potential income streams that deserves a closer look. Instead of asking only, “Would I like to own a restaurant?” A prospective buyer might ask: What could I create with a property like this?

Existing Income Today, Possibilities for Tomorrow

One of the advantages of 225 Water Street is that a future owner would not necessarily be starting with an empty parcel of land. There is already significant infrastructure in place. The main level currently accommodates a large restaurant and hospitality space with a full commercial kitchen, bar, public washrooms, spacious interior seating areas and a large waterfront patio. These features could allow a buyer to continue the present use, lease the commercial premises to an operator, introduce a different hospitality concept, or explore another commercial use permitted for the property.

Above the commercial level are three residential units. Two are two-bedroom apartments overlooking the harbour and wharf area, providing the kind of views that are difficult to replicate anywhere else in downtown St. Andrews. The third one-bedroom unit is currently being used for office and storage purposes. For an investor, those existing units represent an important part of the property. They may provide residential rental income, staff or owner accommodations, or form part of a larger future vision for the building.

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Could the Property Become More?

This is where 225 Water Street becomes particularly interesting. Its current configuration does not necessarily have to represent its final chapter. Depending upon a purchaser’s plans and the municipal, planning, heritage and other approvals that may be required, a future owner may wish to investigate opportunities to further intensify or reposition the property. Possibilities worth exploring could include additional residential accommodations, expanded hospitality uses, boutique accommodations, additional commercial space, additions to the existing structure, or a larger mixed-use concept combining several sources of revenue.

These are not represented as pre-approved development rights. Any proposed development or change of use would require a purchaser to undertake their own due diligence and obtain all necessary approvals. But for an investor with vision, having an existing mixed-use property on a substantial downtown waterfront site creates an unusually interesting starting point.

Think Beyond a Single Business

One of the most interesting ways to look at 225 Water Street is not as one business, but as a collection of potential income-producing components. Depending upon the eventual business plan, those could potentially include:

  • Residential rental income
  • Commercial lease income
  • Restaurant or food-service income
  • Event or hospitality space
  • Seasonal waterfront activity
  • Tourism-related uses
  • Short or longer-term accommodations where permitted
  • Future expansion or redevelopment, subject to approval

That ability to think in terms of multiple revenue streams may be particularly appealing to an investor who sees opportunity in mixed-use real estate. A future concept does not need to look exactly like what exists today.

A Building Connected to the Commercial History of St. Andrews

The opportunity at 225 Water Street also comes with a remarkable history. The building, historically known as the Street Building, dates to the mid-19th century and is recognized as a Local Historic Place for both its architecture and its role in the commercial history of St. Andrews. Its connection to the waterfront is not new.

During the age of sail, the building was occupied by Street & Co., importers and exporters trading goods arriving from ports far beyond St. Andrews. Historically, the wharf came directly beneath the building, allowing cargo from vessels to be unloaded and hoisted into the building. In other words, this property has been connected to commerce, trade and the St. Andrews waterfront for generations. Its next use may be different, but reinvention is very much part of its history.

The Value of Being on Water Street

Location is perhaps the one part of this property that can never be recreated. 225 Water Street sits directly along the main commercial street in downtown St. Andrews. Restaurants, shops, galleries, accommodations, services, Market Square and the town’s working and recreational waterfront are all close at hand.

St. Andrews has long attracted seasonal residents, tourists, boaters and visitors drawn to its historic architecture, coastal setting and walkable downtown. For a business or hospitality operator, that means visibility and proximity. For a residential tenant or guest, it means being able to step outside and experience downtown St. Andrews without getting into a vehicle. For an investor, it means controlling a substantial piece of real estate in an established waterfront commercial district where comparable opportunities are limited.

Waterfront That Is More Than a View

Many properties are advertised as having a water view. 225 Water Street offers something considerably different. The waterfront forms part of the property itself, with ownership extending toward the harbour and to low tide. The property’s connection with the Market Square waterfront area creates another interesting dimension for someone considering its long-term use. Whether incorporated into the existing business, enhanced as outdoor hospitality space, or considered as part of a broader future concept, the waterfront is an integral part of the property rather than simply scenery visible from a window.

Three Parking Spaces in Downtown St. Andrews

It may sound like a relatively small detail until you know downtown St. Andrews. The offering also includes recently acquired land providing parking for three vehicles. Private parking in the historic commercial core is limited, making those spaces a practical addition to the property for owners, tenants or business operations. When evaluating downtown mixed-use real estate, the little things can matter considerably.

Who Should Take a Closer Look at 225 Water Street?

The ideal purchaser may not be the person who first comes to mind. Certainly, an experienced restaurant or hospitality operator could recognize the value of acquiring an established waterfront location with a commercial kitchen, dining space and patio already in place. But the property may also deserve consideration from:

Real estate investors looking for mixed residential and commercial income. Developers interested in investigating the longer-term potential of a downtown waterfront site. Boutique hotel or accommodation operators searching for a distinctive location in an established tourism community. Hospitality groups interested in combining food, accommodation, events and waterfront experiences. Entrepreneurs looking for a signature property where several complementary businesses could operate together. Private investors who understand the long-term scarcity value of substantial waterfront real estate in an established historic downtown. Sometimes the most valuable buyer for a property is not someone looking for what is presently there. It is someone who can see what isn’t there yet.

A Property That Deserves a Long-Term View

Real estate like 225 Water Street should be considered differently from a conventional commercial building. Buildings can be renovated. Businesses can change. Interiors can be redesigned. Uses can evolve. New sources of income can potentially be introduced.

What cannot be manufactured later is a substantial waterfront position in the middle of downtown St. Andrews. That is the underlying asset. The existing restaurant, commercial infrastructure and residential units provide a substantial starting point, but they do not have to define the property’s future. The next owner may simply improve what is already here. Or they may see an entirely different opportunity.

Imagine the Next Chapter at 225 Water Street

What could this waterfront property look like ten or twenty years from now? Could additional residential units overlook St. Andrews Harbour? Could it become a boutique waterfront accommodation property with dining below? Could the existing commercial and residential components be enhanced to generate greater rental income? Could an addition make better use of the property? Could several complementary businesses operate from the same site?

Those are questions for a future owner, their architect, planner and the Town of Saint Andrews. But they are also the reason this property deserves to be viewed as much more than the business presently operating within it. 225 Water Street represents an opportunity to acquire waterfront, commercial space, residential income and future possibility in one of the most recognizable locations in downtown St. Andrews. For someone with imagination and a long-term vision, properties like this do not come along very often.

Property at a Glance

Address: 225 Water Street, St. Andrews, New Brunswick
MLS®: NB126689
Property Type: Mixed-use commercial and residential waterfront property
Building Area: Approximately 6,954 sq. ft.
Land: Approximately 0.36 acre
Waterfront: St. Andrews Harbour
Residential Units: Three
Commercial Space: Currently operating as Salt Bight Restaurant
Parking: Three private parking spaces included
Location: Downtown St. Andrews by-the-Sea

Development possibilities discussed in this article are conceptual only and are not representations of approved development rights. Prospective purchasers should independently verify zoning, permitted uses, heritage requirements, development potential and all other matters relevant to their proposed use with the appropriate authorities.

Frequently Asked Questions About 225 Water Street

Is 225 Water Street in St. Andrews a waterfront property?

Yes. 225 Water Street is located directly on the waterfront in downtown St. Andrews, New Brunswick. The property includes waterfront land on St. Andrews Harbour, with ownership extending to low tide. Its location combines direct waterfront ownership with immediate access to the commercial centre of town.

What type of property is 225 Water Street?

225 Water Street is a mixed-use commercial and residential property. The approximately 6,954-square-foot building currently includes a large commercial hospitality space on the main level and three residential units above. The property contains approximately 0.36 acre of land (including regulated tidal area) in downtown St. Andrews.

Does 225 Water Street have residential rental units?

Yes. There are three residential units within the building. Two are two-bedroom apartments with impressive views over St. Andrews Harbour and the wharf area. A third one-bedroom unit is currently being used for office and storage purposes. The residential component provides an existing source of potential income while also creating possibilities for an investor considering the property’s future use.

Is Salt Bight Restaurant included with the property?

The main commercial portion of 225 Water Street is currently configured and operating as Salt Bight Restaurant, with a commercial kitchen, bar, public washrooms, indoor dining areas and a large waterfront patio. Prospective purchasers should contact Fundy Bay Real Estate for complete details regarding the real estate, equipment, chattels and other components included with the offering.

Does the property have to continue operating as a restaurant?

A purchaser may wish to continue the property’s present hospitality use, but its location, size and mixed-use configuration make it worthwhile to consider a much broader range of possibilities. Any proposed change in use, redevelopment or expansion would be subject to applicable municipal, planning, heritage and other approvals. Prospective purchasers should complete their own due diligence regarding their intended use.

Could additional residential units be developed at 225 Water Street?

The property’s size and existing mixed-use configuration may make further residential or accommodation opportunities worth investigating. No representation is being made that additional units have been approved. The number and type of units that could potentially be developed would depend upon zoning, building requirements, heritage considerations, servicing and other applicable regulations and approvals. Buyers interested in additional residential development are encouraged to consult with the Town of Saint Andrews, planning authorities and their own professional advisors.

Could an addition be made to the building?

A future purchaser may wish to investigate whether additions, alterations or other forms of redevelopment could be undertaken on the property.

Because 225 Water Street is located within the historic commercial core and the building is recognized as a Local Historic Place, any future construction would need to be reviewed in accordance with applicable planning, zoning, building and heritage requirements. The property’s development possibilities should be independently investigated by any buyer considering expansion.

Is 225 Water Street a historic property?

Yes. The building is historically known as the Street Building and is recognized as a Local Historic Place for both its architecture and its role in the commercial history of St. Andrews. Historically, the property was closely connected to the harbour and maritime trade. Street & Co., one of its early occupants, operated as an importer and exporter during St. Andrews’ age of sail. Historical records indicate that the wharf once extended directly beneath the building, allowing goods arriving by vessel to be unloaded and hoisted into the upper floors.

Does 225 Water Street include parking?

Yes. The offering includes land providing parking for three vehicles. Private parking is particularly valuable in the historic downtown commercial district, where dedicated parking can be difficult to find.

How close is 225 Water Street to downtown St. Andrews?

It is already in downtown St. Andrews. The property is located directly on Water Street, within easy walking distance of shops, restaurants, galleries, services, accommodations, Market Square and the harbourfront. This highly walkable location is one of the property’s most significant advantages for residential, commercial, hospitality and tourism-related uses.

Who might be a good buyer for 225 Water Street?

225 Water Street may appeal to several different types of purchasers, including commercial real estate investors, mixed-use property investors, developers, restaurant and hospitality operators, boutique accommodation operators, tourism businesses and private investors seeking a significant waterfront holding in downtown St. Andrews. The property’s next owner does not necessarily need to follow the business model currently operating there. Its long-term appeal lies in the combination of location, waterfront, existing improvements, residential space and potential.

Where can I find current zoning and development information?

Zoning and development regulations can change, and purchasers should verify information based upon their specific plans.

The Town of Saint Andrews provides zoning information, planning resources and mapping online. Buyers considering redevelopment, expansion, additional units or a change of use should consult the appropriate planning authorities and obtain independent professional advice before proceeding.

How can I obtain financial information or arrange a viewing?

Additional information regarding 225 Water Street is available through Fundy Bay Real Estate Group Inc. Qualified prospective purchasers can contact Fundy Bay Real Estate to discuss the property, request available supporting information and arrange a private viewing.

View the full property details here and picture yourself stepping into the story.

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Reading Between the Listings: Why Charlotte County real estate doesn’t follow rules

Reading Between the Listings: Why Charlotte County real estate doesn’t follow rules DJI 20250624130520 0030 D

And why comparing our market to larger cities often creates more confusion than clarity.

If you’ve ever found yourself reading a headline about real estate in Halifax, Moncton, or Toronto and wondering what it means for Charlotte County, you’re not alone.

It’s a fair question. Real estate is constantly in the news, and we’re often surrounded by stories about rising and falling prices, bidding wars, inventory shortages and shifting buyer demand.

But here’s the thing: Charlotte County has never fit neatly into the same mold as larger markets.

That’s not to say we’re unaffected by broader economic trends. Interest rates matter. Consumer confidence matters. National and provincial markets influence us in many ways.

But they don’t tell the whole story.

One thing that becomes clear when working in real estate here is just how personal the decision to move can be.

In larger centres, many buyers begin their search with practical questions: How long is the commute? How close is the office? What neighbourhood offers the best access to schools, shopping, or services?

Here, the conversation often sounds a little different.

People want to know what the community feels like. They ask about waterfront access, walkability, local events, quiet roads and where they can watch the sunset. They aren’t always looking for a house as much as they’re looking for a way of life.

For many people, Charlotte County is a place they discover before they ever imagine living here.

That’s part of what makes our market so unique.

It’s also why Charlotte County doesn’t always react the same way larger cities do.

A headline about a hot market elsewhere doesn’t automatically mean homes here will sell overnight. Likewise, a slower market in another region doesn’t necessarily mean buyers have disappeared from ours.

Many of the people purchasing homes in Charlotte County are making decisions based on life changes rather than deadlines. Some are planning their retirement. Some are looking for a seasonal property. Others are searching for a stronger connection to community or a slower pace of life.

Those decisions tend to unfold differently than a move driven by a job transfer or a daily commute.

Understanding that helps put many of the patterns we’ve discussed in previous columns into perspective — why some homes take longer to sell; why certain properties attract attention at different times of the year; why patience can sometimes be just as important as preparation.

The reality is that Charlotte County isn’t trying to compete with Halifax, Moncton, Saint John, or anywhere else.

It offers something entirely its own.

And that’s one of the reasons people continue to choose it.

Because sometimes reading between the listings means recognizing that the most important thing shaping our market isn’t found in a headline or a statistic.

It’s the people who decide this is where they want to spend the next stage of their lives.

This article was originally featured on CHCO-TV & THE COURIER

Brittany RE FINAL edit (1)Brittany Locking is a REALTOR® with Fundy Bay Real Estate, specializing in the Charlotte County market. She began her real estate career in the Greater Toronto Area before becoming a licensed REALTOR®, and later relocating to St. Andrews in 2017 after a visit that quickly turned into a love for the town, its pace of life, and the natural beauty of Charlotte County. Brittany lives locally with her husband, son, and two dogs and is passionate about giving back through her community initiative, Give Where You Live. She believes that knowledge is power and aims to help readers feel informed and confident about the local real estate market.

Grand Manan Island Real Estate: Buy Land and Build a Waterfront or Water View Home | Dan Webster REALTOR®

Grand Manan Island Real Estate: Buy Land and Build a Waterfront or Water View Home | Dan Webster REALTOR® Untitled 16

Grand Manan Island, New Brunswick: Build Your Waterfront or Water-View Dream in the Canadian Maritimes


Some places don’t just look peaceful. They change your nervous system.

Grand Manan Island, perched in the Bay of Fundy, is one of those rare spots where life can feel both simpler and bigger at the same time. Bigger tides. Bigger skies. Bigger views. More space to breathe.

If your goal is to buy land and build a year-round home, a coastal getaway, or a cabin that actually feels like an escape, Grand Manan is a seriously smart (and still surprisingly attainable) choice.

And when you’re buying on an island, having the right local guide matters. Dan Webster, Fundy Bay Real Estate’s Grand Manan Sales Specialist, has been helping buyers and sellers here for over 18 years, and he knows the island beyond the listing photos.


Why Grand Manan is ideal for building a home or retreat


1) Waterfront and water-view land that still feels like “old Canada”

Grand Manan offers a hard-to-find mix of waterfront, water views, privacy, and breathing room. From oceanfront lots to elevated parcels with panoramic views, buyers can often find land that lets them design something personal, not cookie-cutter.

And here’s the underrated truth: water-view properties can be the sweet spot. You still get that constant ocean presence and the “wow” factor, but often with:

  • easier building conditions than some shoreline lots
  • less exposure to storm surge and coastal erosion risk
  • more flexibility for access and driveway planning
  • a price point that can be more attainable than true waterfront

2) Calm, without being cut off

Island living doesn’t have to mean isolated. Grand Manan is connected to the mainland by daily ferry service from Blacks Harbour, making weekend trips, supplies, and travel far more practical than many people assume.

Once you’re here, the pace shifts. People wave. Neighbours know your name. The ocean is always doing something amazing in the background.


3) A real year-round economy, not just a retirement postcard

Grand Manan isn’t only for retirees (though retirees love it too). The island has long-standing industries tied to the water, including fishing and aquaculture, along with tourism and the trades and services that support year-round living.

That matters if you want:

  • a full-time move, not just a seasonal escape
  • local services and community year-round
  • the ability to hire local tradespeople and maintain a property long-term

4) Nature that pulls you outside

Grand Manan is famous for whale watching, seabird watching, rugged coastline, and lighthouse views. Whether you choose waterfront or water-view, you still get the thing you’re really buying: a front-row seat to a coastline that never stays the same twice.


Why choose Dan Webster with Fundy Bay Real Estate


There are REALTORS® who “work an area,” and there are REALTORS® who are genuinely part of it.

Dan Webster is a long-time Grand Manan resident and a real estate specialist with over 20 years of experience on the island, backed by Fundy Bay Real Estate Group’s marketing reach and systems. That means you get local knowledge plus serious visibility, whether you’re buying now or thinking ahead to resale later.

Dan is especially helpful if you are:

  • buying vacant land
  • searching for waterfront or water-view building opportunities
  • purchasing from away and need true “boots on the ground” support

You can also browse current Grand Manan listings through Fundy Bay Real Estate’s Grand Manan page and Dan’s listing page, then narrow in on land and water-view opportunities from there.


Ready to explore waterfront and water-view options on Grand Manan?


Reach out to Dan Webster

Grand Manan Island Sales Specialist, Fundy Bay Real Estate Group
Cell: (506) 662-5870
Email: Dan@FundyBayRealEstate.com

Reading Between the Listings: What the numbers really say

Reading Between the Listings: What the numbers really say DJI 20250624130520 0030 D

Real estate has always been a hot topic, but since the pandemic, it’s become the dinner-table debate. The market shifted quickly, and many expectations formed just as fast. While some of those perceptions still linger, the numbers in Charlotte County tell a calmer, and far more reassuring story.

One of the simplest ways to understand our local housing market is by looking at the list-to-sale ratio: how many homes sell compared to how many come to market each year. It’s not flashy, but it’s honest.

Over the past three years in Charlotte County, inventory has steadily increased. In 2023, just under 800 homes were listed, with about half of them selling. In 2024, listings climbed again, and sales rose alongside them. The same trend held true in 2025, with more homes entering the market and, once again, roughly 50 per cent successfully selling.

Despite changes in headlines, interest rates, and public sentiment, that ratio has remained remarkably steady.

For sellers, this is encouraging. While buyers have more options to choose from, demand has not disappeared. Roughly half of the homes listed each year continue to sell, which helps set realistic expectations. Today’s market isn’t about tossing up a sign and waiting for a bidding war; it’s about thoughtful pricing, strong presentation, and a little patience. When those pieces align, homes in Charlotte County continue to move.

Buyers, on the other hand, are enjoying a more relaxed pace. Increased inventory means more choice and more time to make decisions. This has contributed to a gradual rise in average days on market over the past few years—a sign not of a struggling market, but of a healthier, more balanced one.

So, what does this mean as we look ahead in 2026?

If current trends hold, we can expect inventory to remain relatively stable, with buyers continuing to take a measured approach and sellers benefiting from clearer expectations. Barring any major economic surprises, the market is likely to continue rewarding well-prepared listings and informed buyers rather than impulsive decisions on either side.

In short, Charlotte County’s real estate market appears to be less about extremes and more about equilibrium.

Real estate will always spark opinions and predictions. But when you step back and look at the bigger picture, the story becomes much easier to understand. It’s simply a market that encourages thoughtful planning, realistic expectations, and decisions made with confidence.

Reading Between the Listings: What the numbers really say Brittany RE FINAL edit 1Brittany Locking is a REALTOR® with Fundy Bay Real Estate, specializing in the Charlotte County market. She began her real estate career in the Greater Toronto Area before becoming a licensed REALTOR®, and later relocating to St. Andrews in 2017 after a visit that quickly turned into a love for the town, its pace of life, and the natural beauty of Charlotte County. Brittany lives locally with her husband, son, and two dogs and is passionate about giving back through her community initiative, Give Where You Live. She believes that knowledge is power and aims to help readers feel informed and confident about the local real estate market.

Originally published in The Courier and on CHCO.TV 

A Guide to Buying New Brunswick Real Estate for Out-of-Province and U.S. Buyers

New Brunswick Real Estate

When most people think of Canadian real estate, the spotlight usually falls on Toronto, Vancouver, or Montreal. But lately, more buyers are discovering the quiet powerhouse of the East Coast: New Brunswick real estate.

For many, this province has been a hidden gem. It’s a place where you can still find waterfront homes at a fraction of Ontario prices, where charming seaside towns welcome newcomers, and where the lifestyle is as refreshing as the salty Bay of Fundy air. For out-of-province Canadian buyers and those in the United States, New Brunswick represents not just a financial opportunity, but a chance to trade hustle and stress for community and calm.

If you’ve been curious about buying here, this guide is designed for you.


Why New Brunswick Real Estate is in Demand

1. Affordability
New Brunswick remains one of the most affordable provinces in Canada. A detached home in Saint Andrews or St. George might sell for the same price as a small condo in Toronto or a starter home in suburban Boston. For investors and retirees alike, this affordability means you can do more with your money – whether that’s buying a larger property, a second home, or even a piece of land to build on.

2. Lifestyle and pace
Life here has a rhythm of its own. Picture yourself walking along a historic wharf, enjoying lobster rolls with neighbors, or exploring endless coastal trails. The pace is slower, but not sleepy. There’s always something happening in small towns, from festivals to farmers’ markets, but without the gridlock or high-pressure feel of big cities.

3. Safety and community
For families, safety is often the biggest draw. Crime rates are low, and there’s a strong sense of belonging in small towns. When people wave hello on the sidewalk here, they mean it. Many buyers relocating from other provinces or the U.S. are looking for exactly that – a safe, close-knit place to call home.

4. Proximity to the U.S.
For American buyers, southern New Brunswick is practically next door. Towns like Saint Andrews are just across the border from Maine, making weekend trips easy. For snowbirds who split their time between the U.S. and Canada, or for families who want to stay connected across borders, this is a major convenience.


How the Buying Process Works in New Brunswick

The real estate process in New Brunswick is straightforward, but if you’re coming from another province or the U.S., you’ll notice a few differences. Here’s a step-by-step overview:

1. Partner with a REALTOR®
A local agent is your guide. They know the neighborhoods, the quirks of rural properties, and the ins and outs of waterfront ownership. For out-of-province buyers, a REALTOR® can preview homes, send videos, and act as your boots on the ground.

2. Making an Offer
Offers in New Brunswick are written on a standard Agreement of Purchase and Sale. Common conditions include:

  • Financing approval
  • Home inspection
  • Insurance approval
  • Well and septic disclosures
  • WETT certification for wood stoves

Negotiations here tend to be less intense than in hot urban markets, though waterfront properties or heritage homes in high demand towns like Saint Andrews can still attract competition.

3. Closing with a Lawyer
Unlike in the U.S., where title companies often handle closings, in New Brunswick you must work with a lawyer. They’ll conduct a title search, review zoning and easements, and handle the transfer of funds. It’s a critical safeguard, especially if you’re buying from a distance.

4. Financing and Mortgages

Out of province buyers: Financing works much the same as at home, though you may be pleasantly surprised at how much more house your pre-approval will buy you.

U.S. buyers: Canadian banks will lend to non-residents, but expect stricter requirements. A typical scenario is a 35% down payment, proof of income, and Canadian bank accounts for handling payments. Some U.S. buyers pay cash to avoid financing hurdles.

5. Taxes and Fees

  • Land (Property) Transfer Tax: 1% of the greater of the purchase price or assessed value.
  • HST (15%): Only on new construction or commercial properties. Resale homes are exempt.
  • Annual property taxes: Lower than Ontario averages, though U.S. buyers may see non-resident adjustments. Still, many find them lower than what they pay at home.

What About the Foreign Buyer Ban?

In 2023, Canada introduced restrictions on foreign ownership of residential real estate. However, there’s an important distinction: these rules mostly apply to large metropolitan areas.

New Brunswick is not heavily restricted. Rural areas and smaller towns remain open to international buyers, including Americans. This makes New Brunswick one of the most welcoming provinces for foreign buyers right now.

For U.S. residents, this is a rare opportunity: you can own property here without the roadblocks you might face in Ontario or British Columbia.

Choosing the Right Area

New Brunswick has something for every type of buyer. Here are some highlights:

Saint Andrews by-the-Sea
A picture-perfect town with historic charm, boutiques, golf courses, and oceanfront views. It’s a favorite for retirees, second-home buyers, and anyone who values history and community.

Grand Manan Island
For those who crave peace, this island offers raw natural beauty, whale watching, and a slower pace of life. Perfect for artists, adventurers, and people who want a true retreat.

St. George and Charlotte County
Affordable and friendly, this area has access to rivers, lakes, and the Bay of Fundy. It’s great for families or anyone who wants a balance of small-town living with access to Saint John and the border.

Saint John
New Brunswick’s largest city offers affordable urban living with historic neighborhoods and waterfront revitalization projects. It’s a great option for those who want city amenities without big-city prices.


Tips for Out-of-Province and U.S. Buyers

  • Visit first if you can — nothing compares to experiencing the area in person.
  • Research internet and utilities — rural and island properties may have unique challenges.
  • Ask about wells and septic systems — common in rural New Brunswick.
  • Plan for weather — winter is real here (some areas more than others), but so is the beauty of all four seasons.
  • Think long-term — whether it’s investment, retirement, or family living, choose a property that fits your five- to ten-year vision.

Why Work with a Local Expert

For buyers coming from away, the biggest challenge is distance. Having a trusted local REALTOR® makes all the difference. They’ll help you:

  • Narrow down communities that match your lifestyle.
  • Explain zoning and bylaws you won’t find on Google.
  • Preview properties and send virtual tours.
  • Coordinate inspections and connect you with lawyers, mortgage brokers, and trades.

At Fundy Bay Real Estate, we specialize in helping buyers from all over Canada, the United States, and the world – discover the opportunities in southern New Brunswick. Whether you’re dreaming of a seaside escape in Saint Andrews, an income property in St. Stephen, or a piece of land to build your future home, we can guide you through every step.


Final Thoughts: Why Now is the Time

New Brunswick real estate has always been attractive to those who knew about it, but word is spreading fast. With affordability compared to Ontario, welcoming rules for U.S. buyers, and a lifestyle that blends coastal beauty with small-town friendliness, it’s no surprise more people are making the move.

If you’ve been considering a purchase, now is the time to explore your options. Properties here still offer incredible value, but demand is growing. Your dream home – whether it’s a heritage property in Saint Andrews, a waterfront retreat on Grand Manan, or a family home in Charlotte County – is waiting.

Ready to start your search? Contact us at Fundy Bay Real Estate today. Let’s turn your New Brunswick Real Estate dream into reality.

Congratulations for Closing Day!

Breezeful Mortgage Broker in Canada
Big congratulations to Lolo, her husband, and their sweet pup Chi (14 years young and still running the show!) on their new home! 🏡🐾 I had so much fun celebrating closing day with them today. What a joy to work with! And exciting news: Lolo is launching her business as a mortgage broker! I’m looking forward to cheering her on in this next adventure and working together in the future, too.
Find out more on Instagram here: https://www.instagram.com/lolo.breezefull/
New Brunswick Mortgage Broker

St. Andrews New Brunswick Waterfront Market Wharf

Saint Andrews Waterfront Wharf

Protect the Heart of St. Andrews’ Waterfront

FIND OUT MORE – Vist the St. Andrews New Brunswick Wharf Website Here: https://standrewswharf.com/

The Town of Saint Andrews has approved a massive Market Wharf Approach Trestle Replacement and Expansion Project, but this is no simple repair. The plan calls for 4,545 square metres of rock and armour stone infill into our tidal harbour, replacing open pilings with a solid wall of stone, permanently altering tidal flow and reshaping the heart of our historic waterfront.

Promoted as a “hybrid” upgrade, the $7.8-million project will extend Market Square, but at the cost of blocking natural tidal movement, damaging marine habitat, and replacing the open, heritage-style approach with an industrial-style shoreline. Similar infill at nearby locations has already caused erosion, flooding, and debris buildup on neighbouring properties. Scientists warn that critical mudflat ecosystems, home to clams, shorebirds, and fish, cannot simply be recreated elsewhere.

This project risks:

  • Environmental harm: Blocking tidal flow, altering sediment patterns, and destroying irreplaceable marine habitat.
  • Loss of heritage character: Replacing open pilings with a rock wall changes the visual heart of our waterfront.
  • Questionable urgency: The wharf needs repair, not a full redesign. The rush appears tied to grant deadlines, not structural necessity.
  • Lack of expert input: No comprehensive, independent marine science review or long-term wharf plan has been presented.

Why This Matters

Saint Andrews is a nationally recognised destination, known for its charm, history, and pristine harbour. Once this infill is in place, the damage cannot be undone. The decision has been driven forward without full community consultation, and without transparent disclosure of alternative repair options that could preserve both function and character.

How You Can Help Stop the Infill

Time is short. Here’s how to make your voice count:

  1. Write to Town Council – Email the Mayor and Councillors at cspear@townofstandrews.ca stating your opposition to the current design. Ensure your letter is addressed to Mayor and Council.
  2. Contact Your Representatives – Reach out to provincial and federal officials who oversee infrastructure, environment, and heritage.
  3. Share This Information – Post the facts in community groups, talk to neighbours, and direct them here to learn more.
  4. Attend Council Meetings – Ask questions on the record and demand transparency.

Our Message Is Simple

Repairs are necessary—infill is not. Saint Andrews deserves a solution that protects our wharf without destroying the natural beauty, heritage character, and marine health that make our town unique. #docksnotrocks

🐾 Homes Fur All: Helping Pets Find Their Forever Homes, One Real Estate Deal at a Time 🏡

🐾 Homes Fur All: Helping Pets Find Their Forever Homes, One Real Estate Deal at a Time 🏡 56747

At Fundy Bay Real Estate, real estate isn’t just about closing deals — it’s about opening doors. And not just for people, but for our furry friends too. That’s why I’m proud to introduce Homes Fur All, a heartfelt initiative that combines two things I care deeply about: helping people find the perfect home, and helping animals find the safe, loving shelter they deserve.

For every home bought or sold with me, Cindy Kohler at Fundy Bay Real Estate, I make a donation to the St. George Animal Shelter’s New Building Campaign.

This campaign will help create a permanent, purpose-built facility to care for animals in need right here in Charlotte County. As someone who lives and works in this community, I’ve seen firsthand how much love and effort goes into the shelter’s work — and how urgently they need a proper space to keep doing it. When you choose to work with me, you’re not just investing in your future — you’re giving animals a second chance at theirs. Because welcome mats should be for paws, too. 🐾

Whether you’re buying your dream home or selling a cherished space to begin a new chapter, your real estate journey can have a bigger impact than you might imagine.

💙 Let’s help build a home — for pets in need and for hope.
If you want to learn more about the St. George Animal Shelter or donate directly, visit: stgeorgeanimalshelter.ca

For even more ways to “Give Where You Live” please visit Fundy Bay Real Estate salesperson Brittany Locking’s page at: Give Where You Live – Brittany Locking | Fundy Bay Real Estate Group Inc.

🐾 Homes Fur All: Helping Pets Find Their Forever Homes, One Real Estate Deal at a Time 🏡 Fundy Bay Homes Fur All

A Peaceful Country Retreat Just Minutes from St. Andrews – 40 South Glenelg Road, Chamcook

Private Family Home For Sale

If you’ve been longing for a little more space, a little more quiet, and a life that lets you breathe a little deeper, this charming country home at 40 South Glenelg Road in Chamcook, New Brunswick, might just be your perfect match. Tucked away on a beautifully landscaped and treed 1.83-acre lot, this 3-bedroom home combines the tranquility of rural living with unbeatable proximity to St. Andrews by-the-Sea—one of the most picturesque seaside towns in Atlantic Canada. Whether you’re sipping coffee by the pussy-willow-lined pond, tending to your fenced garden, or simply enjoying the quiet, this is where life slows down—in the best way possible.

VIEW FULL LISTING DETAILS


🌿 A Slice of Serenity, Close to Everything

Less than 10 minutes from downtown St. Andrews, you’ll have quick access to charming shops, oceanfront dining, golf, and the iconic wharf, while coming home to the peace and privacy of your own country retreat. It’s the kind of balance that’s hard to find—where rural charm meets modern comfort.

Inside, the home is filled with natural light, featuring:

  • A cozy sitting room with a wood-burning stove
  • A formal dining room is perfect for family meals or entertaining
  • Three spacious, sunlit bedrooms
  • Numerous updates, including new windows, cedar siding, upgraded insulation, and newer appliances

🛠 A Workshop Worthy of Your Projects

Behind the home, a 24×24 detached garage/workshop awaits—complete with its own wood stove and 200-amp service. Whether you’re into woodworking, car restoration, DIY crafts, or just need extra storage, this versatile space is a huge bonus.


🐓 Just a Touch of Homesteading

This isn’t a full-blown farm—but it is just enough to live a little more connected to the land. A small chicken coop and garden area offer the joy of collecting fresh eggs or picking herbs for dinner, without the overwhelm of maintaining a large property. And then there’s the pond—home to frogs, dragonflies, and quiet moments. Sit by the water, listen to the soft rustle of trees overhead, and feel like the world has slowed down just enough to enjoy it.


💫 Why You’ll Love Living Here

  • Only 1.83 acres—but every inch is charming, private, and beautifully used
  • Detached 24×24 garage/workshop with wood stove + 200-amp panel
  • Upgrades throughout: siding, windows, doors, insulation, appliances, and more
  • Located in Chamcook, New Brunswick, minutes to the US border and the coast
  • Perfect for those seeking privacy, nature, and a sense of home

At Fundy Bay Real Estate, we know it’s not just about buying a house—it’s about finding a lifestyle that fits. And this one fits like a well-worn glove. Whether you’re starting fresh, slowing down, or simply looking for a better way of life, 40 South Glenelg Road offers a rare opportunity to live simply, beautifully, and just close enough to it all.

📞 Ready to take a look? Contact us today to schedule a viewing. Listed by Brittany Locking.

MLS® #NB101323

Fuel Your Future: Own a High-Potential Commercial Property Near the U.S. Border

Gas Station Business for Sale in New Brunswick Canada

Have you ever dreamed of owning your own business? A place where the possibilities are as wide as the horizon — where you can build, grow, and create a destination? Welcome to 5 Old Bay Road in Oak Bay, just outside St. Stephen, New Brunswick, and minutes from the Calais, Maine border. This is more than a gas station. It’s a blank canvas with a prime location, waiting for someone with vision, grit, and creativity to turn it into something exceptional. Whether you dream of opening a convenience store, bakeshop, truck stop, take-out restaurant, or a multi-service hub, this property is ready to be reimagined.


The Location: A Gateway to Opportunity

Located in the municipality of St. Stephen, this commercial property is just a short drive to the U.S. border, making it ideal for both local and cross-border traffic. With high visibility on a busy route connecting New Brunswick to Maine, this location naturally draws in commuters, travelers, truckers, and weekend wanderers.


The Property: Untapped Potential

While this gas station once thrived, it has been underutilized in recent years. But its bones are solid, its space is generous, and its layout offers flexibility for expansion. The lot is large and accessible, with room to dream big.

  • ✔️ Existing gas station setup

  • ✔️ Retail or food service space ready for your concept

  • ✔️ Ample parking and turnaround space

  • ✔️ Highway visibility and access

You’re not just buying real estate — you’re buying potential. You’re stepping into a location with existing infrastructure and untapped value.


Why Now? Why You?

Small business dreams are thriving again. People are seeking local destinations, roadside bakeries, independent truck stops, and quirky convenience stores with homemade sandwiches and good coffee. With a little investment and a lot of imagination, this could be that place. The one people talk about. The one they recommend. The one they keep coming back to.

This is a rare opportunity for:

  • Entrepreneurs looking for an affordable commercial investment

  • Business owners wanting to expand their operations

  • Cross-border dreamers who know that location is everything


What Could You Build Here? Let Your Imagination Take the Wheel.

This isn’t just a gas station — it’s a foundation for multiple revenue streams. The space and location offer endless potential for a mix of services that can cater to locals, travelers, truckers, and tourists alike. Here are just a few of the many possibilities:

🛒 Convenience Store + Specialty Goods

Go beyond the basics — create a shop that offers local products, artisan snacks, ice cream, camping essentials, or even a small liquor section (where permitted). Partner with nearby producers and make it a stop people talk about.

🥖 Bakery & Coffee Bar

Early morning commuters and long-haul drivers are always looking for fresh coffee and homemade baked goods. Imagine the scent of warm cinnamon buns drawing people in off the road. Add a few café tables and you’ve got a roadside gem.

🍔 Take-Out or Dine-In Eatery

From truck stop-style comfort food to gourmet burgers or even a seasonal lobster roll shack, there’s room to build a kitchen and get creative. Host weekly specials, take-out meals, or quick lunch combos for the local workforce.

🛻 Truck Stop or Rest Hub

With a bit of reconfiguration, this location could serve as a truckers’ rest area complete with showers, vending, and overnight parking. Cross-border truckers need safe, friendly stops like this just before hitting the U.S.

🧺 Laundromat or Community Hub

Add in a laundromat with Wi-Fi, a small book swap, and some comfortable seating. It might sound simple, but in rural areas, a multipurpose spot like this becomes a gathering place and a source of repeat foot traffic.

EV Charging + Fuel Combo

Future-forward thinkers could integrate EV charging stations alongside traditional fuel. It’s a way to serve both the present and the future traveler while getting ahead of regional infrastructure gaps.

🏕️ Tourist Gear & Outdoor Rentals

With visitors heading to St. Stephen, Oak Bay, and nearby nature spots, why not offer kayak, paddleboard, or bike rentals? Add a small kiosk with maps, picnic supplies, or beach gear and capture the seasonal crowd.

🐾 Pet-Friendly Pit Stop

Travelers with furry friends love a place to stop where pets are welcome. Add pet snacks, a shaded dog run, and water stations — and watch how quickly you build loyalty.

🚐 Mini RV Service Station

With growing interest in road-tripping and camper life, there’s room to offer basic RV needs like propane fill-ups, dump station access, and even a couple of overnight pull-through sites.


This kind of flexibility is rare — and it’s why 5 Old Bay Road is more than a gas station. It’s an entrepreneur’s playground. Whether you’re local and ready to expand, or from out of town looking for a bold new start, this commercial property offers all the raw ingredients to build something valuable — for you and for the community.


Make It Yours

Whether you’re a local ready to revitalize a cornerstone property or someone looking for a fresh start in a welcoming community, 5 Old Bay Road is your chance to create something real — and profitable. Located in beautiful Charlotte County, minutes from the charming town of St. Stephen and the Maine border, you’ll enjoy the benefits of a small-town lifestyle with the perks of international traffic.


MLS®# NB118288

Learn more and view the full listing here:
👉 5 Old Bay Road, Oak Bay – Fundy Bay Real Estate

📍 St. Stephen Commercial Real Estate | Gas Station For Sale New Brunswick | Business Opportunity Near Calais Maine | Entrepreneurial Real Estate Investment NB

Gas Station Business for Sale in New Brunswick Canada
Gas Station Business for Sale in New Brunswick Canada