Apple Bay Cliff House

Freshwater Pond | Tortola

Provençal

Villa Style

View Photos Watch Film 360° VTour Open House

Chris Smith

Presented At

$1,250,000

Bedrooms

Bathrooms

High Ceiling

Open Kitchen

Stone Countertops

Air Conditioning

Bar

Kitchen island

Terrace

Balcony

Water View

Mountain View

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Apple Bay Cliff House

Freshwater Pond | Tortola

Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands. , Freshwater Pond , Tortola

Apple Bay Cliff House

Completely rebuilt following the storms of 2017, Apple Bay Cliff House offers spectacular views from every room, porch and deck—and there are five decks. The outdoor Shower in the master bedroom suite directly overlooks one of the most famous surfing breaks in the Caribbean at Apple Bay. The island of Jost Van Dyke, home to world famous Foxy’s and Soggy Dollar Bars, shimmers across the water in the distance. MORE PICTURES TO FOLLOW SHORTLY! A two-minute walk down the hill takes you to the village of Apple Bay. A tiny beach hotel, Sebastians, and several local restaurants dot the village. Two minutes further down the road is a five star restaurant, Sugar Mill. A two-minute walk over the hill past Falling Down House is Long Bay, one of the Caribbean’s most famous beaches. The house is five minutes by car from Soper’s Hole, West End. The main house features an open plan kitchen, dining and living area leading onto the generous terrace. The master suite and ensuite master bathroom have been refurbished to the highest of standards. The Guest bedrooms with ensuite bathrooms are equally spacious. Ceilings are high and finishes throughout are light, bright and airy. Beneath the main house is a fully equipped studio apartment. Serious $$$ have been spent on the cabinetry and finishes to give the studio a yacht-like feel! Very cozy and comfortable and very rentable! This property has lots and lots of rental potential. Its location for surfers is second to none but it works equally well for those looking for a family beach vacation at the most popular West End of Tortola. This home is only a ten minute drive from the West End Ferry terminal so access from St Thomas is very easy and quick. 3D VIRTUAL TOUR

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Property Location

Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands., Freshwater Pond Tortola

Local Weather & Climate

Freshwater Pond, Tortola

Current Conditions Updated recently

80 °F

Scattered clouds

Feels Like 83°F

Humidity 65%

Wind 15 mph

Visibility 6.2 mi

Sunrise 10:26 AM

Sunset 10:28 PM

5-Day Forecast

Tue 17 Mar

Rain

High 79°

Low 75°

Wed 18 Mar

Rain

High 77°

Low 76°

Thu 19 Mar

Rain

High 77°

Low 76°

Fri 20 Mar

Rain

High 78°

Low 76°

Sat 21 Mar

Clouds

High 78°

Low 76°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Freshwater Pond?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

Down Payment

$100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (United States)

$0 Est. First Year Interest Deduction

$0 Est. Annual Tax Savings

*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
Uses simplified assumptions that may not apply to your circumstances, including filing status, total income, other deductions, alternative minimum tax considerations, and local tax variations.
Should not be used as the basis for any tax planning decisions or financial strategies without consulting a qualified tax professional licensed in your jurisdiction.

Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$1,250,000

Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands.

Freshwater Pond, Tortola

4 Beds

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Market Opinion

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Our perspective on current market conditions in Freshwater Pond. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis

International luxury real estate typically appreciates steadily over time.

Buyer Score

Estimated regional appreciation: 4% annually

Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $125,000,000 20% down ($25,000,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$10,741/day

Your home may appreciate while you sleep

$75,395/week $326,712/mo $3,920,546/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$281K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential 8% advantage over stocks

-$68.8M

+$97.6M

$97.6M Potential Equity

vs $68.8M lost to rent over 10 years

$25.0M Down Payment Growth

3.9x

10yr

$97.6M

8.1x

20yr

$202.0M

12.6x

30yr

$315.7M

Wealth Comparison

×752

Equivalent to 752 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $315.7M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

22.4

years

Market-Based

3.14% effective/yr

15.3

years

Optimistic

4.62% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $147.2M +18%

Market $170.2M +36%

Optimistic $196.4M +57%

$97.6M est. equity

20 Years

Conservative $173.4M +39%

Market $231.8M +85%

Optimistic $308.7M +147%

$202.0M est. equity

30 Years

Conservative $204.2M +63%

Market $315.7M +153%

Optimistic $485.1M +288%

$315.7M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands have?

This house at Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands features 4 bedrooms.

What is the listing price for Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands?

This property is listed at $125,000,000.

Is now a good time to buy a home in Freshwater Pond?

Based on current market indicators, Freshwater Pond shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is Apple Bay Cliff House, Tortola, Freshwater Pond, Tortola, British Virgin Islands?

This is a house located in Freshwater Pond, Tortola. The property is situated in an established neighborhood with convenient access to local amenities and services.