For sale · MLS® 1305069
12 Garland Street
Harbour Grace, NL, A0A2M0
List price
$334,900
About this propertyMLS® 1305069
Welcome to 12 Garland Street, Harbour Grace! Located on a 57' x 98' (approximate - to be confirmed by survey) lot, this property is currently under construction and will have full town services, Atlantic New Home Warranty, electric baseboard heat and quality finishes. The main floor of the home has an open concept living space with a bright living room, spacious dining area and custom kitchen complete with a walk - in pantry and island. There are two spare bedrooms as well as a primary bedroom with a full three - piece ensuite and double closet. Finishing out the main floor is a three-piece main bathroom. There will be a full, undeveloped basement that will be great for storage or your future plans. HST is included in the purchase price with rebate to be assigned to vendor on closing. (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
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom Kitchen Eat in kitchen | 3 pc 9 x 10.4 · 94 sqft 9.2 x 10.10 · 93 sqft 3 pc 12.1 x 10.6 · 128 sqft 11.6 x 14.6 · 169 sqft 18.5 x 13 · 241 sqft |
The neighbourhood
Harbour Grace at a glance
Live market stats for Harbour Grace — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
29
Median list price
$70k
Price range
$25k – $720k
Typical build
1974
Average size
2,776 sqft
Where Harbour Grace listings are priced
Every active list price in Harbour Grace, grouped into bands.
List price, thousands of $ · 29 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 22 |
| 200–300 | 3 |
| 300–400 | 2 |
| 400–500 | 1 |
| 500–750 | 1 |
How Harbour Grace compares
Median list price against the next biggest markets — click a row for that area guide.
Harbour Gracenearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
22 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
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
2 places shown · 3 routes · OpenStreetMap · OSRM
- 81 min to downtown St. John's104.9 km
- 80 min to Memorial University103.7 km
- 85 min to Avalon Mall110.5 km
Schools 1
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
$492/mo
Est. winter heating (electricity) — about $1,477 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,270 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: $112,013
Closing costs + five years of running costs + 60 mortgage payments on a $334,900 home.
If rates rise 2 points
$19,134 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$1,438
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$66,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,954
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $20,270
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,758 | $128,663 | needs mortgage insurance (not modelled) |
| 10% | $1,665 | $123,113 | needs mortgage insurance (not modelled) |
| 20% | $1,480 | $112,013 | 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%$1,480/mo
- Today, posted2026-10-28 · 6.19%$1,757/mo
- 5 years ago2021-11-03 · 4.79%$1,534/mo
- 10 years ago2016-11-02 · 4.64%$1,511/mo
At 6.19% — five years ago — the same mortgage would have cost $277 more each month than at today's posted rate.
Principal & interest only: $267,920 (80% of the $334,900 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 10 active
Priced at the 80th percentile of active Harbour Grace homes
$148/sqft — city median $117/sqft.
Errand score
walk-time weighted
4
park 630 m
Nearest errand: S. W. Moores Memorial Park (park) — 630 m, about 8 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?No school mapped within 1 km
- 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
$1,348/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
$-419
NOI / month
$-419
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $419 | $5,028 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-419 | $-5,028 |
| NOI | $-419 | $-5,028 |
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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