For sale · MLS® 1305180
37 McGrath Crescent
Mount Pearl, NL, A1N4H2
List price
$359,900
Seller's direction · offers
No conveyance of offers until
Wednesday, November 11 at 5:00 p.m. NST
6
days left
Please Note: As per the seller's direction, there will be no conveyance of offers until 5:00 PM on November 11, 2026.
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305180
Located on a quiet street in the desirable Powers Pond area, this split-entry home offers plenty of room for the whole family in an incredibly convenient location. Enjoy walking distance to multiple schools, churches, shopping, grocery stores, medical and dental services, recreation facilities, walking trails, and so much more. Everything you need is right nearby! The main floor features a bright living room, dining area, kitchen, two bedrooms, and a full bathroom. Downstairs, you'll find a spacious rec room, a third bedroom, a den, and a laundry room, providing plenty of additional living space and flexibility for the family. The home also features a mini-split heat pump, offering added comfort and energy-efficient heating and cooling throughout the seasons. Outside, enjoy a large rear deck with plenty of room for entertaining or relaxing, along with a storage shed for added convenience. A great opportunity to own a family home in one of Mount Pearl's most convenient locations! Please Note: As per the seller's direction, there will be no conveyance of offers until 5:00 PM on November 11, 2026. (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 | Laundry room Bath (# pieces 1-6) Recreation room Den Bedroom | 9.5x10.08 · 96 sqft 4PCE 18x14.33 · 258 sqft 12.08x12.33 · 149 sqft 12.33x12.08 · 149 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Kitchen Dining room Living room | 4PCE 9.67x11.08 · 107 sqft 11.92x12.42 · 148 sqft 10.3x9.92 · 102 sqft 9.3x10.25 · 95 sqft 12x14.25 · 171 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
59
Median list price
$427k
Price range
$66k – $3.8M
Typical build
1985
Average size
2,560 sqft
Where Mount Pearl listings are priced
Every active list price in Mount Pearl, grouped into bands.
List price, thousands of $ · 56 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 9 |
| 300–400 | 14 |
| 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
165 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 2:00 p.m.
Property tax
$2,235 / year
≈ $186 / 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
27 places shown · 3 routes · OpenStreetMap · OSRM
- 13 min to downtown St. John's14.2 km
- 16 min to Memorial University17.1 km
- 22 min to Avalon Mall23.8 km
Schools 17
Groceries 5
Cafés 3
Parks 2
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
$161/mo
Est. winter heating (heat pump electricity) — about $482 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,850 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: $119,967
Closing costs + five years of running costs + 60 mortgage payments on a $359,900 home.
If rates rise 2 points
$20,563 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$1,538
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$71,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$964
- Property taxfrom the feed$2,235
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $21,495
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,889 | $137,861 | needs mortgage insurance (not modelled) |
| 10% | $1,789 | $131,896 | needs mortgage insurance (not modelled) |
| 20% | $1,591 | $119,967 | no mortgage insurance |
Estimates — not a quote or an appraisal. Mortgage at 4.44% (best market 5-yr fixed, Ratehub.ca, 2026-11-06), 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 rate2026-11-06 · 4.44%$1,591/mo
- Today, posted2026-11-04 · 6.19%$1,889/mo
- 5 years ago2021-11-03 · 4.79%$1,648/mo
- 10 years ago2016-11-02 · 4.64%$1,623/mo
At 6.19% — five years ago — the same mortgage would have cost $298 more each month than at today's posted rate.
Principal & interest only: $287,920 (80% of the $359,900 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 43 active
Priced at the 56th percentile of active Mount Pearl homes
$195/sqft — city median $193/sqft.
Errand score
walk-time weighted
36
grocery 420 m, school 300 m
Nearest errand: Mount Pearl Intermediate School (school) — 300 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 · 300 mMount Pearl Intermediate School
- Grocery nearby?Yes · 420 mSobeys
- 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
$1,635/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
$187/mo
Principal & interest $0 + property tax $187 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-449
NOI / month
$-449
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $187 | $2,235 |
| Expenses | $263 | $3,156 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-449 | $-5,388 |
| NOI | $-449 | $-5,388 |
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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