For sale · MLS® 1305221
44 Smallwood Drive
Grand Falls-Windsor, NL, A2B1G3
List price
$214,900
Seller's direction · offers
No conveyance of offers until
Thursday, November 11 at 4:00 p.m. NST · open for acceptance until 9:00 p.m. NST
370
days left
As per sellers direction all offers to be conveyed at 4:00 pm on November 11, 2027 and to remain open until 9:00 pm on November 11, 2027 (id:56688)
Deadline extracted automatically from the listing remarks — it may be missing, incomplete, or out of date.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® 1305221
Located in a residential area close to schools and recreational facilities, this 3 + 2 bedroom home offers plenty of space for families. The main level has three bedrooms, while the partially developed basement features two additional bedrooms, family room and storage. With further development the lower lever also offers potential for future rental income. Home is heated electric baseboard heaters, wood and mini split on the main level for heating and cooling. The home features laminate flooring in most areas, vinyl windows on the main level, vinyl siding and 200 amp electrical service. The landscaped lot includes a fenced backyard with room for kids to play. Convenient 8' x 12' storage shed, ideal for yard tools and seasonal gear. As per sellers direction all offers to be conveyed at 4:00 pm on November 11, 2027 and to remain open until 9:00 pm on November 11, 2027 (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
| Main level | Bath (# pieces 1-6) Bedroom Bedroom Primary Bedroom Living room/Dining room Kitchen | 7.2 x 9.1 · 66 sqft 8.1 x 14.5 · 117 sqft 9 x 10.9 · 98 sqft 11.6 x 17.4 · 202 sqft 14.7 x 19.8 · 291 sqft 8.7 x 11.4 · 99 sqft |
The neighbourhood
Grand Falls-Windsor at a glance
Live market stats for Grand Falls-Windsor — what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
75
Median list price
$254k
Price range
$27k – $1.5M
Typical build
1980
Average size
2,471 sqft
Where Grand Falls-Windsor listings are priced
Every active list price in Grand Falls-Windsor, grouped into bands.
List price, thousands of $ · 68 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 25 |
| 200–300 | 13 |
| 300–400 | 5 |
| 400–500 | 11 |
| 500–750 | 9 |
| 750–1M | 2 |
| 1M+ | 3 |
How Grand Falls-Windsor compares
Median list price against the next biggest markets — click a row for that area guide.
Grand Falls-Windsornearby markets
Neighbourhood scores
Walk, bike, and transit for this exact address.
The essentials
Location, air, flood & taxes
Elevation
97 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · Grand Falls - Windsor · updated 6:00 p.m.
Flood & zoning are mapped for St. John's only
Property tax
$1,742 / year
≈ $145 / month
Climate
Jan -3° · Jul 23°
normal daily high · WOODDALE BISHOP'S FALLS station · 1981–2010
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nearby & drive routes
12 places shown · OpenStreetMap · OSRM
Schools 7
Groceries 3
Cafés 1
Parks 1
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
$197/mo
Est. winter heating (heat pump electricity) — about $590 for January through March.
Estimate — not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,124 sqft. Severity 1.07× St. John's from the WOODDALE BISHOP'S FALLS 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: $79,553
Closing costs + five years of running costs + 60 mortgage payments on a $214,900 home.
If rates rise 2 points
$12,278 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$958
- Legal feesest.estimate — your lawyer quotes the exact figure$1,500
- Down payment (20%)$42,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,180
- Property taxfrom the feed$1,742
- Home insuranceest.estimate — NL range $700–$1,500/yr$1,100
× 5 years = $20,110
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,128 | $90,237 | needs mortgage insurance (not modelled) |
| 10% | $1,068 | $86,676 | needs mortgage insurance (not modelled) |
| 20% | $950 | $79,553 | 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%$950/mo
- Today, posted2026-11-04 · 6.19%$1,128/mo
- 5 years ago2021-11-03 · 4.79%$984/mo
- 10 years ago2016-11-02 · 4.64%$969/mo
At 6.19% — five years ago — the same mortgage would have cost $178 more each month than at today's posted rate.
Principal & interest only: $171,920 (80% of the $214,900 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 59 active
Priced at the 15th percentile of active Grand Falls-Windsor homes
$101/sqft — city median $160/sqft.
Errand score
walk-time weighted
26
grocery 760 m, school 640 m
Nearest errand: Main Street Softball Fields (park) — 400 m, about 5 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 · 640 mSprucewood Academy
- Grocery nearby?Yes · 760 mSobeys
- 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
$1,010/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
$146/mo
Principal & interest $0 + property tax $146 per month
Financing breakdown
Rental math
Investment calculator
Monthly cash flow
$-268
NOI / month
$-268
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $146 | $1,742 |
| Expenses | $123 | $1,476 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-268 | $-3,216 |
| NOI | $-268 | $-3,216 |
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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