For sale · MLS® 1305161
44 Harvard Drive
Mount Pearl, NL, A1N2Z7
List price
$369,900
Seller's direction · offers
No conveyance of offers until
Monday, November 9 at 10:00 a.m. NST · open for acceptance until 3:00 p.m. NST
5
days left
As per seller directive, there will be no presentation of offers prior to 10 am on November 9th and offers must be left open until 3 pm on November 9th.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305161
44 Harvard Drive. Discover a fantastic opportunity to step into homeownership in a highly desirable Mount Pearl neighborhood, perfect for first-time buyers looking to offset their mortgage with a basement apartment! Upstairs, this bright and spacious layout features a large living room, two good sized bedrooms, and a primary suite with a half bath and walk-in closet. Dining room and kitchen combo that open directly to a multi-tiered deck and fully fenced backyard—plus a private lower-level rec room and main laundry. Downstairs, the cleverly designed, self-contained income suite boasts its own private, fully fenced patio entry, separate laundry, a generous primary bedroom, and an additional bedroom to ensure total tenant comfort. Best of all, you'll enjoy complete peace of mind from day one thanks to brand-new roof shingles protecting your smart real estate investment! Priced to move, book your tour today! As per seller directive, there will be no presentation of offers prior to 10 am on November 9th and offers must be left open until 3 pm on November 9th. (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
| Lower level | Not known Living room/Dining room Bath (# pieces 1-6) Not known Not known Not known Recreation room Laundry room | 6.5x2.5 · 16 sqft 13.0x16.0 · 208 sqft 4 pc 11.5x11.5 · 132 sqft 7.5x13.0 · 98 sqft 4.5x9.0 · 41 sqft 16.0x14.0 · 224 sqft 9.5x6.5 · 62 sqft |
| Main level | Ensuite Primary Bedroom Bath (# pieces 1-6) Bedroom Bedroom Kitchen Dining room Living room/Fireplace | 2 pc 12.0x12.0 · 144 sqft 4 pc 9.5x11.0 · 105 sqft 9.5x9.5 · 90 sqft 17x10 · 170 sqft 10.5x10.0 · 105 sqft 16.5x13 · 215 sqft |
The neighbourhood
Mount Pearl at a glance
Live market stats for Mount Pearl — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
56
Median list price
$430k
Price range
$66k – $3.8M
Typical build
1986
Average size
2,592 sqft
Where Mount Pearl listings are priced
Every active list price in Mount Pearl, grouped into bands.
List price, thousands of $ · 53 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 8 |
| 300–400 | 12 |
| 400–500 | 11 |
| 500–750 | 7 |
| 750–1M | 5 |
| 1M+ | 8 |
How Mount Pearl compares
Median list price against the next biggest markets — click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
154 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.
Property tax
$2,473 / year
≈ $206 / month
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
42 places shown · 3 routes · OpenStreetMap · OSRM
- 13 min to downtown St. John's13.4 km
- 17 min to Memorial University14.6 km
- 22 min to Avalon Mall21.4 km
Schools 20
Groceries 12
Cafés 6
Parks 4
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
$542/mo
Est. winter heating (electricity) — about $1,627 for January through March.
Estimate — not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,500 sqft. Severity 1.00× St. John's from the ST JOHN'S A station 1981–2010 normal. Jan–Mar only; excludes HST, hot water, cooking and any cooling.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $135,298
Closing costs + five years of running costs + 60 mortgage payments on a $369,900 home.
If rates rise 2 points
$21,134 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$1,578
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$73,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$3,254
- Property taxfrom the feed$2,473
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $34,135
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,941 | $153,689 | needs mortgage insurance (not modelled) |
| 10% | $1,839 | $147,559 | needs mortgage insurance (not modelled) |
| 20% | $1,635 | $135,298 | 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%$1,635/mo
- Today, posted2026-11-04 · 6.19%$1,941/mo
- 5 years ago2021-11-03 · 4.79%$1,694/mo
- 10 years ago2016-11-02 · 4.64%$1,668/mo
At 6.19% — five years ago — the same mortgage would have cost $306 more each month than at today's posted rate.
Principal & interest only: $295,920 (80% of the $369,900 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.
Price ghosts
$/sqft vs 40 active
Priced at the 15th percentile of active Mount Pearl homes
$148/sqft — city median $193/sqft.
Errand score
walk-time weighted
31
grocery 810 m, school 310 m
Nearest errand: School (school) — 310 m, about 4 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 · 4 questions
- School within 1 km?Yes · 310 mSchool
- Grocery nearby?Yes · 810 mMarie's Mini Mart
- Bus stop?No bus stop mapped within 800 m
- In the 100-year floodplain?No — outside itCity of St. John's flood map
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
$1,695/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
$207/mo
Principal & interest $0 + property tax $207 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-462
NOI / month
$-462
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $207 | $2,473 |
| Expenses | $256 | $3,072 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-462 | $-5,544 |
| NOI | $-462 | $-5,544 |
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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