For sale · MLS® 1305158
125 Smallwood Drive
Mount Pearl, NL, A1N1B5
List price
$399,900
Seller's direction · offers
No conveyance of offers until
Tuesday, November 10 at 12:00 p.m. NST
4
days left
Offers to be submitted by NOON on Tuesday November 10, 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Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305158
Beautifully maintained two-apartment home located in the heart of Mount Pearl! The modernized main unit features a bright and spacious living room with a cozy propane fireplace and tons of natural light, flowing into the dining area, and a functional kitchen complete with an island and plenty of cupboard space. The main floor also offers a large primary bedroom with walk-in closet, a second bedroom, and an additional bonus room ideal for a home office. The basement portion of the main unit includes a utility room and laundry area. The self-contained basement apartment features a spacious eat-in kitchen, living room, bedroom, and an additional bonus room that could be used as a fourth bedroom, along with its own laundry space. Numerous updates include the main bathroom, hot water tank and dishwasher (November 2024), mini-split (2024), washers and dryers (2022), additional driveway parking (2022), fresh paint (2025), and completed rear yard fencing (2026). The fenced backyard is accessible to the main unit only. The property also features two storage sheds, with the larger shed wired and insulated. Adding to the convenience of this location, the brand-new Mount Pearl Community Centre is situated directly behind the property, with a short commute to major shopping amenities and everyday conveniences. A fantastic opportunity for homeowners looking for additional rental income or investors seeking a well-maintained property in a convenient location! Offers to be submitted by NOON on Tuesday November 10, 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
| Lower level | Primary Bedroom Not known Bath (# pieces 1-6) Laundry room Bedroom Living room Eat in kitchen Laundry room | 11.9 x 10.0 · 119 sqft 4.0 x 4.11 · 16 sqft 5.1 x 8.0 · 41 sqft 10.1 x 7.11 · 72 sqft 10.10 x 10.0 · 101 sqft 11.9 x 19.4 · 231 sqft 10.4 x 11.11 · 116 sqft 8.4 x 16.8 · 141 sqft |
| Main level | Office Foyer Other Porch Primary Bedroom Kitchen Bath (# pieces 1-6) Living room/Fireplace Dining room Bedroom | 4.8 x 9.2 · 44 sqft 3.9 x 6.3 · 25 sqft 4.9 x 9.2 · 45 sqft 4.2 x 3.6 · 15 sqft 13.3 x 11.9 · 158 sqft 10.11 x 14.9 · 151 sqft 5.0 x 8.0 · 40 sqft 15.2 x 14.0 · 213 sqft 8.4 x 11.4 · 96 sqft 9.10 x 11.4 · 104 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
127 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
$3,603 / year
≈ $300 / month · assessment year 2026
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
35 places shown · 3 routes · OpenStreetMap · OSRM
- 12 min to downtown St. John's12 km
- 15 min to Memorial University13.3 km
- 20 min to Avalon Mall20 km
Schools 19
Health 3
Groceries 8
Cafés 1
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
$191/mo
Est. winter heating (heat pump electricity) — about $574 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,206 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: $138,493
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$22,848 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$1,698
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$79,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,148
- Property taxfrom the feed$3,603
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $29,255
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,099 | $158,376 | needs mortgage insurance (not modelled) |
| 10% | $1,988 | $151,749 | needs mortgage insurance (not modelled) |
| 20% | $1,767 | $138,493 | 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%$1,767/mo
- Today, posted2026-11-04 · 6.19%$2,099/mo
- 5 years ago2021-11-03 · 4.79%$1,831/mo
- 10 years ago2016-11-02 · 4.64%$1,804/mo
At 6.19% — five years ago — the same mortgage would have cost $331 more each month than at today's posted rate.
Principal & interest only: $319,920 (80% of the $399,900 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 35th percentile of active Mount Pearl homes
$181/sqft — city median $193/sqft.
Errand score
walk-time weighted
33
grocery 610 m, school 780 m
Nearest errand: Park (park) — 460 m, about 6 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 · 780 mUnited Association Training Center (Mount Pearl)
- Grocery nearby?Yes · 610 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
$1,910/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
$301/mo
Principal & interest $0 + property tax $301 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-499
NOI / month
$-499
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $301 | $3,603 |
| Expenses | $199 | $2,388 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-499 | $-5,988 |
| NOI | $-499 | $-5,988 |
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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