For sale · MLS® 1305135
184 Main Street N
Glovertown, NL, A0G2L0
List price
$299,000
About this propertyMLS® 1305135
184 Main Street North, Glovertown Rare Waterfront Opportunity with Modern Upgrades & Detached Double Garage! Welcome to your dream waterfront retreat in the heart of Glovertown! Situated right on the water’s edge, this charming home offers breathtaking scenic views and a layout designed to maximize coastal living. Featuring 2 spacious main-floor bedrooms plus an additional bedroom in walk-out basement, this property offers fantastic versatility for growing families, hosting guests, or creating a dedicated home office setup. The home has seen extensive, high-quality capital upgrades in recent years, giving you complete peace of mind: Roof: Fully reshingled (2017), Windows and Doors (2019) Plumbing: Completely replaced system (2021) Heating/Cooling: Energy-efficient Heat Pump installed (2021) for year-round comfort Garage: Massive 24' x 32' detached double garage constructed (2016)—ideal for vehicles, boat storage, or the ultimate workshop. Step outside to your private backyard oasis, enjoy seamless indoor-outdoor living from the walk-out lower level, and launch your kayak or take in the stunning water views right from your property. A turn-key waterfront gem with all the heavy lifting already done—schedule your private viewing today! (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
| Basement | Storage Family room Storage Bath (# pieces 1-6) Cold room Bedroom Laundry room Mud room | 9x15 · 135 sqft 10x11 · 110 sqft 3x11 · 33 sqft 8x5 · 40 sqft 11x7 · 77 sqft 10.3x11 · 113 sqft 10.3x7.4 · 76 sqft 19x11 · 209 sqft |
| Main level | Bedroom Bedroom Bath (# pieces 1-6) Living room Dining room Kitchen | 11x8.5 · 94 sqft 17x12.5 · 213 sqft 5x7 · 35 sqft 22.5x15 · 338 sqft 12.5x12 · 150 sqft 12x11 · 132 sqft |
The neighbourhood
Glovertown at a glance
Live market stats for Glovertown — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
32
Median list price
$152k
Price range
$21k – $599k
Typical build
1981
Average size
1,914 sqft
Where Glovertown listings are priced
Every active list price in Glovertown, grouped into bands.
List price, thousands of $ · 32 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 19 |
| 200–300 | 8 |
| 300–400 | 3 |
| 400–500 | 1 |
| 500–750 | 1 |
How Glovertown compares
Median list price against the next biggest markets — click a row for that area guide.
The essentials
Location, air, flood & taxes
Elevation
2 m
0300 mmetres above sea level
Flood, zoning & air quality are mapped for St. John's only
Property tax
$1,000 / year
≈ $83 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet — dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
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
$208/mo
Est. winter heating (heat pump electricity) — about $625 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,400 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: $98,829
Closing costs + five years of running costs + 60 mortgage payments on a $299,000 home.
If rates rise 2 points
$17,083 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$1,294
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$59,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,250
- Property taxfrom the feed$1,000
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $16,750
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,569 | $113,695 | needs mortgage insurance (not modelled) |
| 10% | $1,487 | $108,740 | needs mortgage insurance (not modelled) |
| 20% | $1,321 | $98,829 | 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%$1,321/mo
- Today, posted2026-10-28 · 6.19%$1,569/mo
- 5 years ago2021-11-03 · 4.79%$1,369/mo
- 10 years ago2016-11-02 · 4.64%$1,349/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: $239,200 (80% of the $299,000 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 21 active
Priced at the 38th percentile of active Glovertown homes
$125/sqft — city median $134/sqft.
Monthly carrying cost
$1,287/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
$84/mo
Principal & interest $0 + property tax $84 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-373
NOI / month
$-373
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $84 | $1,000 |
| Expenses | $290 | $3,480 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-373 | $-4,476 |
| NOI | $-373 | $-4,476 |
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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