For sale · MLS® 1305027
33 Irish Town Road
Carbonear, NL, A1Y1A7
List price
$185,000
About this propertyMLS® 1305027
Whether you're a first-time homebuyer a family home, this well-maintained 3-bedroom, 2-bathroom property is definitely worth a look! Ideally located in a quiet, central area of Carbonear, this home offers comfortable living with the convenience of being within walking distance of local amenities. The main floor features a bright, open-concept layout with a modern kitchen, spacious living area, and the added convenience of a main-floor half bath. A cozy wood stove just off the living room adds warmth and character, creating the perfect spot to relax and unwind. Over the years, the home has seen numerous upgrades, including electrical and plumbing improvements, modern vinyl windows, updated siding, a welcoming front veranda, rear decks, and a large paved driveway. Outside, you'll find a 15' x 20' storage shed that needs a little TLC, beautifully maintained landscaping, and a raised garden bed perfect for growing your own vegetables. Affordable, comfortable, and conveniently located, this property offers excellent value and an opportunity to make a house your home! (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
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom | 4PCE 9.3x9.46 · 88 sqft 9.4x12 · 113 sqft 9.97x14.49 · 144 sqft |
| Basement | Fruit cellar | |
| Main level | Bath (# pieces 1-6) Porch Living room Not known Eat in kitchen | 6.5x12 · 78 sqft 5.1x13.38 · 68 sqft 12.2x15 · 183 sqft 7x5 · 35 sqft 14.6x10.15 · 148 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
$202k
Price range
$20k – $1.3M
Typical build
1958
Average size
3,630 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
27 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$737 / year
≈ $61 / month · assessment year 2026
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
18 places shown · 3 routes · OpenStreetMap · OSRM
- 86 min to downtown St. John's110.3 km
- 85 min to Memorial University109 km
- 91 min to Avalon Mall115.8 km
Schools 8
Health 1
Groceries 4
Cafés 4
Parks 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.
Winter warmer
Jan–Mar · estimate
$281/mo
Est. winter heating (electricity) — about $843 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,296 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: $69,009
Closing costs + five years of running costs + 60 mortgage payments on a $185,000 home.
If rates rise 2 points
$10,570 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$838
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$37,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,686
- Property taxfrom the feed$737
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $17,615
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $971 | $78,207 | needs mortgage insurance (not modelled) |
| 10% | $920 | $75,141 | needs mortgage insurance (not modelled) |
| 20% | $818 | $69,009 | 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%$818/mo
- Today, posted2026-10-28 · 6.19%$971/mo
- 5 years ago2021-11-03 · 4.79%$847/mo
- 10 years ago2016-11-02 · 4.64%$834/mo
At 6.19% — five years ago — the same mortgage would have cost $153 more each month than at today's posted rate.
Principal & interest only: $148,000 (80% of the $185,000 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.
Price ghosts
$/sqft vs 28 active
Priced at the 68th percentile of active Carbonear homes
$143/sqft — city median $117/sqft.
Errand score
walk-time weighted
29
grocery 560 m, school 460 m
Nearest errand: School (school) — 460 m, about 6 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 · 460 mSchool
- Grocery nearby?Yes · 560 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
$806/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
$62/mo
Principal & interest $0 + property tax $62 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-231
NOI / month
$-231
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $62 | $737 |
| Expenses | $170 | $2,040 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-231 | $-2,772 |
| NOI | $-231 | $-2,772 |
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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