For sale · MLS® 1305009
0 Winterhouse Road
St Davids, NL, A0N1X0
List price
$59,000
About this propertyMLS® 1305009
This stunning property looks down over Crabb's River offering gorgeous views! What an incredible place to build your dream home or cabin! A quiet road off the Main Rd offers a private setting but still conveniently located! This area has so much to offer! Farm fresh vegetables, seafood can be purchased directly from the fishermen of the area, meats can be bought in lockleven not to mention your property is sitting on one of several major salmon rivers in the area and near a great hunting area! You can take advantage of the nearby Trailways trails to skidoo and use your ATVS. Call today for more information or to set up your appointment to view! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
The neighbourhood
St Davids at a glance
Live market stats for St Davids — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
2
Median list price
$40k
Price range
$20k – $59k
Where St Davids listings are priced
Every active list price in St Davids, grouped into bands.
List price, thousands of $ · 2 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
How St Davids compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
11 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 1 · Low risk · Corner Brook · updated 5:00 p.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).
Cost & context
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: $31,109
Closing costs + five years of running costs + 60 mortgage payments on a $59,000 home.
If rates rise 2 points
$3,371 more over five years if the rate is 6.44% instead of 4.44% — P&I only.
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$334
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$11,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $13,630
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $310 | $34,042 | needs mortgage insurance (not modelled) |
| 10% | $293 | $33,064 | needs mortgage insurance (not modelled) |
| 20% | $261 | $31,109 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-02), 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.
Rate time machine
same house · same down payment
Same house, same down payment — your payment today at 4.44%best market rate · posted was 6.19%
- Today, best market rate2026-11-02 · 4.44%$261/mo
- Today, posted2026-10-28 · 6.19%$310/mo
- 5 years ago2021-11-03 · 4.79%$270/mo
- 10 years ago2016-11-02 · 4.64%$266/mo
At 6.19% — five years ago — the same mortgage would have cost $49 more each month than at today's posted rate.
Principal & interest only: $47,200 (80% of the $59,000 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 2026-10-28. 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
$237/mo
Plan ahead
Calculators
Estimate payments and returns before you make an offer — all in one place.
Plan ahead
Mortgage & investment calculator
Estimated monthly payment
$0/mo
Principal & interest $0 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$0
NOI / month
$0
Cap rate
0.00%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $0 | $0 |
| NOI | $0 | $0 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Get in touch
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
A real person, every time
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
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