For sale · MLS® 1304996
2 Church Street
Carbonear, NL, A1Y1A9
List price
$339,900
About this propertyMLS® 1304996
Location, Location, Location! Welcome to this beautiful family home situated on a large, level, landscaped lot with mature trees and a lovely ocean view! Offering plenty of space for the growing family, this property combines comfort, convenience, and beautiful surroundings. Property Features Include: Large lot with beautiful ocean views, town water and sewer services, paved driveway, level landscaped lot with mature trees, spacious living and dining room areas, large kitchen with plenty of cabinetry, modern appliances, gleaming laminate flooring, large dedicated office area, spacious recreation room, primary bedroom with ensuite, three additional bedrooms, spacious front entrance, 10.5x 12 storage shed. Enjoy the beauty of scenic Carbonear while being close to shopping, schools, medical facilities including Carbonear General Hospital, recreation, restaurants, and other everyday amenities. Additionally you are only minutes away from scenic towns like Brigus, Cupids, Port de Grave, Carbonear, Dildo, Harbour Grace, Salmon Cove Sands, etc. You are also approximately 1 hour drive from NLs Capital City of St. John's. Note: Land dimensions are approximate and will need to be verified with a new survey. This could be your Dream Home! Call for a viewing today! A wonderful opportunity to own a spacious family home in a great location! (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
View rooms as table
| Basement | Utility room Recreation room | 13x10 · 130 sqft 23x16 · 368 sqft |
| Third level | Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom | 12x7 · 84 sqft 11x11.6 · 128 sqft 11x11.6 · 128 sqft 6x4 · 24 sqft 13x12 · 156 sqft |
| Second level | Living room/Fireplace Dining nook Eat in kitchen | 17x12 · 204 sqft 11x12 · 132 sqft 14x12 · 168 sqft |
| Main level | Foyer Office Laundry room Bath (# pieces 1-6) Bedroom Porch | 9x6 · 54 sqft 25x10.5 · 263 sqft 8x6 · 48 sqft 6x5 · 30 sqft 11x9 · 99 sqft 9.5x6.5 · 62 sqft |
The neighbourhood
Carbonear at a glance
Live market stats for Carbonear — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
44
Median list price
$199k
Price range
$20k – $1.3M
Typical build
1958
Average size
3,607 sqft
Where Carbonear listings are priced
Every active list price in Carbonear, grouped into bands.
List price, thousands of $ · 44 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 22 |
| 200–300 | 8 |
| 300–400 | 4 |
| 400–500 | 7 |
| 500–750 | 1 |
| 750–1M | 1 |
| 1M+ | 1 |
How Carbonear compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
25 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 5:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$2,042 / year
≈ $170 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
9 places shown · 3 routes · OpenStreetMap · OSRM
- 86 min to downtown St. John's110.3 km
- 85 min to Memorial University109.1 km
- 90 min to Avalon Mall115.8 km
Schools 4
Groceries 1
Cafés 2
Parks 2
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.
Winter warmer
Jan–Mar · estimate
$621/mo
Est. winter heating (electricity) — about $1,862 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,862 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $127,418
Closing costs + five years of running costs + 60 mortgage payments on a $339,900 home.
If rates rise 2 points
$19,420 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$1,458
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$67,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,724
- Property taxfrom the feed$2,042
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $34,330
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,784 | $144,318 | needs mortgage insurance (not modelled) |
| 10% | $1,690 | $138,685 | needs mortgage insurance (not modelled) |
| 20% | $1,502 | $127,418 | 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. 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%$1,502/mo
- Today, posted2026-10-28 · 6.19%$1,784/mo
- 5 years ago2021-11-03 · 4.79%$1,557/mo
- 10 years ago2016-11-02 · 4.64%$1,533/mo
At 6.19% — five years ago — the same mortgage would have cost $282 more each month than at today's posted rate.
Principal & interest only: $271,920 (80% of the $339,900 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 2026-10-28. 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.
Price ghosts
$/sqft vs 28 active
Priced at the 54th percentile of active Carbonear homes
$119/sqft — city median $117/sqft.
Errand score
walk-time weighted
34
grocery 920 m, school 250 m
Nearest errand: Keyin College- Carbonear (Carbonear) (school) — 250 m, about 3 min on foot.
Walk-time-weighted from OpenStreetMap + ODEF school data; straight-line distance at 4.8 km/h. Weights: grocery 1.0, school 0.9, health 0.8, park 0.4, café 0.35, bus 0.3 — nearest place per category only. Half-value every 6 minutes of walking; nothing scores past a 15-minute walk. 100 = every category at the door. This is a mapping of what's drawn on the map, not a survey of what exists.
Ask this listing
open data · 3 questions
- School within 1 km?Yes · 250 mKeyin College- Carbonear (Carbonear)
- Grocery nearby?Yes · 920 mPowell's Supermarket
- Bus stop?No bus stop mapped within 800 m
From OpenStreetMap + ODEF schools (straight-line distance) and the City of St. John's flood & zoning maps. Flood and zoning are mapped for St. John's only; elsewhere those questions don't appear because we don't know the answer.
Monthly carrying cost
$1,538/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
$171/mo
Principal & interest $0 + property tax $171 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-424
NOI / month
$-424
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $171 | $2,042 |
| Expenses | $254 | $3,048 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-424 | $-5,088 |
| NOI | $-424 | $-5,088 |
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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