For sale · MLS® 1304970
0 Main Street
Whitbourne, NL, A0B3K0
List price
$1,200,000
About this propertyMLS® 1304970
179 Acres, Four Titles, One Shoreline — The Avalon's Next Cottage Community Starts at Whitbourne. This is working landscape: black spruce and open bog, rock outcrop, and a chain of ponds that gives the whole assembly its shape. Bethunes Pond anchors the west. Hoopers Pond and a river channel work through the southern block. Two connected ponds sit at the heart of the northern ground. Shorelines are already defined by 15 m Department of Environment reservations. Every parcel touches the old railway bed, now the Newfoundland T'Railway Provincial Park — 883 kilometres of all-season trail from St. John's to Port aux Basques, part of the Trans Canada Trail. Walk out the back of a future lot onto it. The parcels break down cleanly: 36.475 ha and 24.102 ha as the two anchors, with 6.872 ha and 5.175 ha to round out frontage, access and phasing. All four sit roughly 1.3 km from Whitbourne village — groceries, fuel, school, marina, and the Trans-Canada on-ramp within minutes, yet nothing but bog and spruce in view. Cottage demand on the Avalon has been proven with Goose Pond Development adjacent and Ocean Pond, six km east; that is the template, and this assembly sits closer in, with more pond frontage and four separate titles to phase, sell off, or hold. Buyers to satisfy themselves as to zoning, subdivision and servicing and any applicable permits. (id:56688)
Specifications
Property details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Room by room
Rooms
The neighbourhood
Whitbourne at a glance
Live market stats for Whitbourne — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
19
Median list price
$135k
Price range
$17k – $1.2M
Typical build
1995
Average size
1,587 sqft
Where Whitbourne listings are priced
Every active list price in Whitbourne, grouped into bands.
List price, thousands of $ · 19 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 13 |
| 200–300 | 1 |
| 300–400 | 2 |
| 500–750 | 2 |
| 1M+ | 1 |
How Whitbourne compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
58 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
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
1 place shown · OpenStreetMap · OSRM
Groceries 1
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: $338,229
Closing costs + five years of running costs + 60 mortgage payments on a $1,200,000 home.
If rates rise 2 points
$68,562 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$4,898
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$240,000
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% | $6,298 | $397,892 | needs mortgage insurance (not modelled) |
| 10% | $5,966 | $378,004 | needs mortgage insurance (not modelled) |
| 20% | $5,303 | $338,229 | 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%$5,303/mo
- Today, posted2026-10-28 · 6.19%$6,297/mo
- 5 years ago2021-11-03 · 4.79%$5,495/mo
- 10 years ago2016-11-02 · 4.64%$5,413/mo
At 6.19% — five years ago — the same mortgage would have cost $994 more each month than at today's posted rate.
Principal & interest only: $960,000 (80% of the $1,200,000 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.
Ask this listing
open data · 3 questions
- School within 1 km?No school mapped within 1 km
- Grocery nearby?Yes · 1.4 kmAndrea's Mini Mart
- 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
$4,830/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.
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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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