For sale · MLS® 1305098
14 Garland Street
Harbour Grace, NL, A0A2M0
List price
$299,900
About this propertyMLS® 1305098
Welcome to 14 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 home offers a very functional, open concept interior. It consists of a custom kitchen with island and convenient walk - in pantry, dining area and a spacious living that gets lots of natural light from its large windows. There is a primary bedroom with a three - piece ensuite as well as a walk - in closet with laundry hook up. Completing this home is a second bedroom and three - piece main bathroom. 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 | Dining room Bedroom Ensuite Primary Bedroom Bath (# pieces 1-6) Living room Kitchen | 12 x 11.6 · 139 sqft 10.2 x 10 · 102 sqft 3 pc 14.2 x 11.2 · 159 sqft 3 pc 16.6 x 12.6 · 209 sqft 12 x 20.2 · 242 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
1978
Average size
2,695 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 | 4 |
| 300–400 | 2 |
| 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
23 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
2 places shown · 3 routes · OpenStreetMap · OSRM
- 81 min to downtown St. John's105 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
$236/mo
Est. winter heating (electricity) — about $709 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,090 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: $94,912
Closing costs + five years of running costs + 60 mortgage payments on a $299,900 home.
If rates rise 2 points
$17,135 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$1,298
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$59,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,418
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $12,590
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,574 | $109,822 | needs mortgage insurance (not modelled) |
| 10% | $1,491 | $104,852 | needs mortgage insurance (not modelled) |
| 20% | $1,325 | $94,912 | 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. 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 rate2026-11-04 · 4.44%$1,325/mo
- Today, posted2026-10-28 · 6.19%$1,574/mo
- 5 years ago2021-11-03 · 4.79%$1,373/mo
- 10 years ago2016-11-02 · 4.64%$1,353/mo
At 6.19% — five years ago — the same mortgage would have cost $248 more each month than at today's posted rate.
Principal & interest only: $239,920 (80% of the $299,900 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 99th percentile of active Harbour Grace homes
$275/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
$1,207/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
$-375
NOI / month
$-375
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $0 | $0 |
| Expenses | $375 | $4,500 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-375 | $-4,500 |
| NOI | $-375 | $-4,500 |
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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