For sale · MLS® 1305117
45 Clearwater Drive
Clarenville, NL, A5A4P6
List price
$699,900
About this propertyMLS® 1305117
Discover an impressive blend of contemporary style, thoughtful design, and exceptional finishes at 45 Clearwater Drive. This beautifully crafted two-storey, slab-on-grade home offers the appeal of new construction with an attention to detail that truly sets it apart. From the eye-catching exterior with its modern architectural elements and custom stonework to the convenience of both an attached and detached double garage, every aspect of this property has been carefully considered. Step inside to a bright, spacious main floor featuring an inviting open-concept layout designed for comfortable family living and effortless entertaining. The living room showcases a striking custom feature wall, while the adjoining dining area flows seamlessly into a beautifully appointed kitchen complete with full-height cabinetry, high-end appliances, an oversized centre island, and a generous walk-in pantry. The upper level offers three spacious bedrooms, including an impressive primary retreat featuring a large walk-in closet and a beautifully finished ensuite with a custom tiled shower. Outside, the property continues to impress with a spacious rear patio and a covered hot tub area, creating the perfect setting to relax or entertain in any season. With its distinctive design, exceptional garage space, and impressive interior finishes, 45 Clearwater Drive offers a combination of style, comfort, and functionality that's difficult to find. A remarkable property that deserves to be seen in person! (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
| Second level | Laundry room Bath (# pieces 1-6) Ensuite Bedroom Bedroom Primary Bedroom | 5.5 x 7 · 39 sqft 10 x 5 · 50 sqft 11 x 12 · 132 sqft 11 x 13 · 143 sqft 13 x 10 · 130 sqft 14 x 16 · 224 sqft |
| Main level | Bath (# pieces 1-6) Foyer Kitchen Living room/Dining room | 5 x 5 · 25 sqft 7 x 10 · 70 sqft 23 x 12 · 276 sqft 26 x 15 · 390 sqft |
The neighbourhood
Clarenville at a glance
Live market stats for Clarenville — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
57
Median list price
$243k
Price range
$29k – $1000k
Typical build
1993
Average size
2,279 sqft
Where Clarenville listings are priced
Every active list price in Clarenville, grouped into bands.
List price, thousands of $ · 52 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 23 |
| 200–300 | 7 |
| 300–400 | 11 |
| 400–500 | 6 |
| 500–750 | 1 |
| 750–1M | 4 |
How Clarenville 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
Elevation
49 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 3:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$4,162 / year
≈ $347 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
4 places shown · OpenStreetMap · OSRM
Schools 2
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
$234/mo
Est. winter heating (heat pump electricity) — about $703 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,700 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: $223,329
Closing costs + five years of running costs + 60 mortgage payments on a $699,900 home.
If rates rise 2 points
$39,989 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$2,898
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$139,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,406
- Property taxfrom the feed$4,162
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $33,340
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $3,673 | $258,127 | needs mortgage insurance (not modelled) |
| 10% | $3,480 | $246,528 | needs mortgage insurance (not modelled) |
| 20% | $3,093 | $223,329 | 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%$3,093/mo
- Today, posted2026-11-04 · 6.19%$3,673/mo
- 5 years ago2021-11-03 · 4.79%$3,205/mo
- 10 years ago2016-11-02 · 4.64%$3,157/mo
At 6.19% — five years ago — the same mortgage would have cost $580 more each month than at today's posted rate.
Principal & interest only: $559,920 (80% of the $699,900 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 38 active
Priced at the 92nd percentile of active Clarenville homes
$259/sqft — city median $149/sqft.
Errand score
walk-time weighted
12
school 780 m
Nearest errand: Park (park) — 650 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?Yes · 780 mRiverside Elementary (Shoal Harbour)
- 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
$3,164/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
$347/mo
Principal & interest $0 + property tax $347 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-874
NOI / month
$-874
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $347 | $4,162 |
| Expenses | $528 | $6,336 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-874 | $-10,488 |
| NOI | $-874 | $-10,488 |
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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