11 Bungay's Lane
Wareham, NL, A0G4P0
List price
$309,900
About this propertyMLS® 1305232
Located in the beautiful town of Wareham is this beautiful bungalow! Inside the main floor offers a large living room, open kitchen and dining room with back doors leading to the back deck. Main floor also offers two bedrooms and a main floor bathroom. Basement features an oversized family room with wood burning stove, office/den, bathroom, and laundry room. Stairs from the basement connect to the attached 15x23 garage. Outside is completed with vinyl windows and siding, patios/decks and new shingles approximately 3 years ago. This home is primarily heated by hot water radiant heat (Oil), 200 amp electrical panel. This home has town water and sewer, PEX plumbing, and added insulation in the attic. Included in the sale are the fridge, stove, washer and dryer! Don’t miss out on this clean and well maintained home! Home Staged with AI.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Rooms
How this works
Not an architectural plan: each rectangle's width and height are proportional to the listed room dimensions at one shared scale; room positions are not the real layout. Hover or focus a room for its exact size.
1 room is grey + dashed at the average size because the listing gives no dimensions. Never compare their size to a coloured room.
Furniture scenes are drawn to the same scale to show what fits: a bed sized to the room (king/queen/double/single) with nightstands and a dresser, bathtub→shower→toilet+vanity by space, sofa + coffee table + armchairs, counter + island, dining set… centred as a group. Placement is illustrative, not the real arrangement.
View rooms as table
| Basement | Laundry room Bath (# pieces 1-6) Office Family room | 6.08 x 12.09 · 74 sqft 6.08 x 10 · 61 sqft 8.11 x 8 · 65 sqft 16x18 13x24 |
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Dining room Kitchen Porch Living room | 7 x 6 · 42 sqft 10 x 15 · 150 sqft 10.05 x 12.09 · 122 sqft 10.08 x 14.10 · 142 sqft 13 x 10 · 130 sqft 4 x 5 · 20 sqft 12.06 x 17.09 · 206 sqft |
Wareham at a glance
Live market stats for Wareham: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
1
Median list price
$310k
Price range
$310k – $310k
Typical build
2005
Average size
2,298 sqft
Where Wareham listings are priced
Every active list price in Wareham, grouped into bands.
List price, thousands of $ · 1 homes
View as table
| Price band ($) | Listings |
|---|---|
| 300–400 | 1 |
How Wareham compares
Median list price against the next biggest markets. Click a row for that area guide.
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
2 m
0300 mmetres above sea level
Flood, zoning & air quality are mapped for St. John's only
Property tax
$1,800 / year
≈ $150 / month
Amenity constellation
compass view · OpenStreetMap · ODEF schools
Nothing mapped within 1.5 km of this address yet. Dots appear here once OpenStreetMap coverage reaches it (coverage is thin outside the Avalon).
Nearby & drive routes
0 places shown · OpenStreetMap · OSRM
No amenities mapped within 1.5 km of this address yet. OpenStreetMap coverage is thin outside the Avalon, so nearby shops and schools may not appear here.
Nothing mapped within 1.5 km of this address.
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.
5-year cost of ownership
20% down · 25-yr
5-year all-in: $126,026
Closing costs + five years of running costs + 60 mortgage payments on a $309,900 home.
If rates rise 2 points
$18,044 more over five years if the rate is 6.84% instead of 4.84% (P&I only).
Once, at closing
- Land transfer (registration) fee$100 + $0.40 per $100 over $500, capped at $5,000$1,338
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$61,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$4,622
- Property taxfrom the feed$1,800
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $37,610
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,694 | $142,072 | needs mortgage insurance (not modelled) |
| 10% | $1,605 | $136,723 | needs mortgage insurance (not modelled) |
| 20% | $1,426 | $126,026 | no mortgage insurance |
Estimates, not a quote or an appraisal. Mortgage at 4.84% (lowest bank 5-yr fixed, Ratehub.ca, 2026-11-12), 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.
Winter warmer
Jan–Mar · estimate
$770/mo
Est. winter heating (heating oil): about $2,311 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,298 sqft. Climate severity defaults to the St. John's normal (no station nearby). Jan–Mar only; excludes HST, hot water, cooking and any cooling.
More cost & context panels
Rate time machine
same house · same down payment
Same house, same down payment: your payment today at 4.84%lowest bank rate · posted was 6.19%
- Today, lowest bank rate2026-11-12 · 4.84%$1,426/mo
- Today, posted2026-11-04 · 6.19%$1,626/mo
- 5 years ago2021-11-03 · 4.79%$1,419/mo
- 10 years ago2016-11-02 · 4.64%$1,398/mo
At 6.19%, five years ago, the same mortgage would have cost $200 more each month than at today's posted rate.
Principal & interest only: $247,920 (80% of the $309,900 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.
Monthly carrying cost
$1,457/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$150/mo
Principal & interest $0 + property tax $150 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-388
NOI / month
$-388
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $150 | $1,800 |
| Expenses | $238 | $2,856 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-388 | $-4,656 |
| NOI | $-388 | $-4,656 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
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Talk to Haris
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- Office17 Duffy Place, Suite 200, St. John's
Keller Williams Platinum Realty