For sale · MLS® 1305011
9 River Drive
Garnish, NL, A0E1T0
List price
$325,000
About this propertyMLS® 1305011
Welcome to 9 River Drive in the scenic community of Garnish! This extensively renovated 4-bedroom, 2-bathroom home offers approximately 1,866 sq. ft. of finished living space, beautiful water views and a fantastic detached garage. The bright main floor features a spacious kitchen and comfortable living area, along with a full bathroom and convenient main-floor laundry. Large windows and patio doors take advantage of the surrounding views and fill the open living space with natural light. Upstairs you'll find three bedrooms, including the primary bedroom with its own ensuite, while the lower level provides even more living space with a fourth bedroom and rec room—perfect for family, guests, a home office or hobby space. Outside, the property offers plenty of parking along with a newer detached garage providing excellent space for vehicles, recreational toys, storage or a workshop. Outdoor enthusiasts will love the location! Garnish is an ATV-friendly community with access to the Point Rosie Trail, making it easy to head out and explore right from town. Golfers will also appreciate being just approximately five minutes from Frenchman's Cove Golf Course. With extensive renovations, generous living space, a detached garage and gorgeous water views, 9 River Drive offers a wonderful combination of comfort, recreation and coastal Newfoundland living. (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
| Lower level | Bedroom Family room | 11.2x19.2 · 215 sqft 18.6x15.6 · 290 sqft |
| Second level | Bedroom Ensuite Primary Bedroom Bedroom | 11.10x9.8 · 109 sqft 11.2x5.7 · 64 sqft 11.2x13.2 · 148 sqft 12x9 · 108 sqft |
| Main level | Bath (# pieces 1-6) Living room Eat in kitchen Laundry room | 6.11x6.2 · 38 sqft 19.11x15 · 287 sqft 11.3x19.11 · 216 sqft 5.3x11.2 · 59 sqft |
The neighbourhood
Garnish at a glance
Live market stats for Garnish — 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
$70k
Price range
$22k – $325k
Typical build
1973
Average size
1,931 sqft
Where Garnish listings are priced
Every active list price in Garnish, grouped into bands.
List price, thousands of $ · 7 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 5 |
| 200–300 | 1 |
| 300–400 | 1 |
How Garnish compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
3 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Burin · updated 2:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1 / year
≈ $0 / month
Climate
Feb -1° · Aug 21°
normal daily high · WINTERLAND station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
5 places shown · OpenStreetMap · OSRM
Schools 1
Parks 4
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
$157/mo
Est. winter heating (heat pump electricity) — about $471 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,866 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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $99,292
Closing costs + five years of running costs + 60 mortgage payments on a $325,000 home.
If rates rise 2 points
$18,569 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$1,398
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$65,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$942
- Property taxfrom the feed$1
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $10,215
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,706 | $115,451 | needs mortgage insurance (not modelled) |
| 10% | $1,616 | $110,065 | needs mortgage insurance (not modelled) |
| 20% | $1,436 | $99,292 | 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%$1,436/mo
- Today, posted2026-10-28 · 6.19%$1,706/mo
- 5 years ago2021-11-03 · 4.79%$1,488/mo
- 10 years ago2016-11-02 · 4.64%$1,466/mo
At 6.19% — five years ago — the same mortgage would have cost $269 more each month than at today's posted rate.
Principal & interest only: $260,000 (80% of the $325,000 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.
Errand score
walk-time weighted
15
school 690 m
Nearest errand: Outdoor Ice Rink (park) — 430 m, about 5 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 · 690 mSchool
- Grocery nearby?No grocery mapped within 1.5 km
- 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
$1,308/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
$1/mo
Principal & interest $0 + property tax $1 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-406
NOI / month
$-406
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $1 | $1 |
| Expenses | $406 | $4,872 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-406 | $-4,872 |
| NOI | $-406 | $-4,872 |
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
Your details go straight to Haris — never shared, never spammed.