For sale · MLS® 1305078
36 New Harbour Road
Spaniard's Bay, NL, A0A3X0
List price
$159,900
Seller's direction · offers
No conveyance of offers until
Thursday, November 5 at 3:00 p.m. NST
1
day left
As per Seller's Direction there will be no conveyance of any written offers prior to 3:00 pm on November 5.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date. Always confirm offer terms with the listing brokerage.
About this propertyMLS® 1305078
This charming 2-bedroom, 1.5-bath bungalow offers the convenience of one-level living and has undergone extensive renovations over the years. Approximately 14 years ago, the home was stripped to the studs and an addition was completed. Upgrades at that time included inside reno from the studs out, most windows were replaced, new siding, and a 200-amp electrical panel. The interior features an open-concept eat-in kitchen and living room. The kitchen offers attractive cabinetry and ample space for dining, while the cozy living room provides plenty of natural light. There are 2 spacious bedrooms and a 3-piece main bathroom complete with a stand-up shower and vanity offering plenty of storage. The laundry area conveniently incorporates a 2-piece bathroom. A spacious mudroom leads to an additional storage room, providing extra space for everyday needs. The home is heated by electric heat and is connected to town services. A small access hatch at the rear of the home provides access to the main water line. Outside, there are two storage sheds, including a 16 x 16 shed with a concrete floor and an additional 10 x 12 shed, offering plenty of room for storage or workshop space. With its functional layout, numerous updates, and the convenience of everything on one level, this property is an excellent option for those looking to downsize or purchase their first home. A comfortable, inviting home that shows very nicely and is ready for its next owners! As per Seller's Direction there will be no conveyance of any written offers prior to 3:00 pm on November 5. The Seller further directs that all offers are to remain open for acceptance until 7:00 pm on November 5. (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 Storage Laundry room Mud room Eat in kitchen Living room Foyer | 3pc 7.11 x 7.10 8.10 x 12.8 · 104 sqft 15.1 x 12.8 · 193 sqft 5.1 x 6 · 31 sqft 5.7 x 6.1 · 35 sqft 6.1 x 7.4 · 45 sqft 19.1 x 9.4 · 180 sqft 19.1 x 9.4 · 180 sqft 5.9 x 4 · 24 sqft |
The neighbourhood
Spaniard's Bay at a glance
Live market stats for Spaniard's Bay — 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
$90k
Price range
$25k – $520k
Typical build
1978
Average size
1,512 sqft
Where Spaniard's Bay listings are priced
Every active list price in Spaniard's Bay, grouped into bands.
List price, thousands of $ · 19 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 14 |
| 200–300 | 3 |
| 400–500 | 1 |
| 500–750 | 1 |
How Spaniard's Bay compares
Median list price against the next biggest markets — click a row for that area guide.
Spaniard's Baynearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
34 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
$1,200 / year
≈ $100 / month · assessment year 2026
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
3 places shown · 3 routes · OpenStreetMap · OSRM
- 72 min to downtown St. John's92.6 km
- 71 min to Memorial University91.4 km
- 76 min to Avalon Mall98.1 km
Schools 2
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
$226/mo
Est. winter heating (electricity) — about $677 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,040 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: $62,908
Closing costs + five years of running costs + 60 mortgage payments on a $159,900 home.
If rates rise 2 points
$9,136 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$738
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$31,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,354
- Property taxfrom the feed$1,200
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $18,270
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $839 | $70,858 | needs mortgage insurance (not modelled) |
| 10% | $795 | $68,208 | needs mortgage insurance (not modelled) |
| 20% | $707 | $62,908 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-04), 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 rate2026-11-04 · 4.44%$707/mo
- Today, posted2026-11-04 · 6.19%$839/mo
- 5 years ago2021-11-03 · 4.79%$732/mo
- 10 years ago2016-11-02 · 4.64%$721/mo
At 6.19% — five years ago — the same mortgage would have cost $132 more each month than at today's posted rate.
Principal & interest only: $127,920 (80% of the $159,900 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 2026-11-04. 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
12
school 680 m
Nearest errand: Holy Redeemer Elementary (school) — 680 m, about 9 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 · 680 mHoly Redeemer Elementary
- 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
$744/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
$100/mo
Principal & interest $0 + property tax $100 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-200
NOI / month
$-200
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $100 | $1,200 |
| Expenses | $100 | $1,200 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-200 | $-2,400 |
| NOI | $-200 | $-2,400 |
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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