32 MUNICIPAL Square
Clarenville, NL, A5A1T2
List price
$339,900
About this propertyMLS® 1305148
Welcome to this fully developed two-storey home, tucked away on a quiet cul-de-sac in one of Clarenville’s more unique residential areas. Offering plenty of space, character and a great layout for everyday living, this property has lots to offer both inside and out! The nicely landscaped property features a fully fenced backyard, attractive views and a hot tub, creating a great outdoor space to relax or entertain. Inside, the main level offers a spacious and functional layout, highlighted by a large kitchen complete with centre island, stainless steel appliances and a convenient pantry. A formal dining room (where you’ll find a newly installed mini split), comfortable living room and separate family room provide plenty of space for both entertaining and family gatherings. Upstairs, you'll find a generous primary bedroom featuring a walk-in closet and oversized four-piece ensuite, along with two additional bedrooms and a full main bathroom. The fully developed basement adds even more living space with a fantastic rec room, convenient laundry area with half bath, and an impressive 26' x 15' built-in garage offering plenty of room for parking, storage or hobbies. With its quiet cul-de-sac location, inviting outdoor spaces, spacious interior and unique character, this is a property that truly deserves a closer look!
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.
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 | Bath (# pieces 1-6) Recreation room Family room | 9.7 X 12 · 116 sqft 12.7 X 7.8 · 99 sqft 20.10 X 10.3 · 207 sqft |
| Second level | Bath (# pieces 1-6) Bedroom Bedroom Ensuite Primary Bedroom | 8.8 X 5 · 44 sqft 11 X 9.9 · 109 sqft 12.10 X 9.11 · 110 sqft 14 X 11.2 · 157 sqft 12.10 X 12.2 · 148 sqft |
| Main level | Bath (# pieces 1-6) Family room/Fireplace Dining room Living room Kitchen Foyer | 2.11 X 6.6 · 14 sqft 19 X 12.6 · 239 sqft 13 X 12 · 156 sqft 16 X 13 · 208 sqft 14.4 X 14.4 · 207 sqft 3.10 X 7 · 22 sqft |
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
58
Median list price
$246k
Price range
$29k – $1000k
Typical build
1994
Average size
2,288 sqft
Where Clarenville listings are priced
Every active list price in Clarenville, grouped into bands.
List price, thousands of $ · 53 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 23 |
| 200–300 | 7 |
| 300–400 | 13 |
| 400–500 | 5 |
| 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 scores for this exact address.
Location, air, flood & taxes
Elevation
23 m
0300 mmetres above sea level
Air quality now
1–3 band
110+AQHI 2 · Low risk · St. John's · updated 10:30 a.m.
Flood & zoning are mapped for St. John's only
Property tax
$2,530 / year
≈ $211 / month · assessment year 2026
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: $121,350
Closing costs + five years of running costs + 60 mortgage payments on a $339,900 home.
If rates rise 2 points
$19,790 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$1,458
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$67,980
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,276
- Property taxfrom the feed$2,530
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $24,530
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,858 | $138,950 | needs mortgage insurance (not modelled) |
| 10% | $1,760 | $133,083 | needs mortgage insurance (not modelled) |
| 20% | $1,564 | $121,350 | 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.
Price ghosts
$/sqft vs 39 active
Priced at the 44th percentile of active Clarenville homes
$139/sqft, city median $148/sqft.
Winter warmer
Jan–Mar · estimate
$213/mo
Est. winter heating (heat pump electricity): about $638 for January through March.
Estimate, not an appraisal. heat pump electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 2,450 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%$1,564/mo
- Today, posted2026-11-04 · 6.19%$1,784/mo
- 5 years ago2021-11-03 · 4.79%$1,557/mo
- 10 years ago2016-11-02 · 4.64%$1,533/mo
At 6.19%, five years ago, the same mortgage would have cost $219 more each month than at today's posted rate.
Principal & interest only: $271,920 (80% of the $339,900 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
$1,644/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$211/mo
Principal & interest $0 + property tax $211 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-424
NOI / month
$-424
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $211 | $2,530 |
| Expenses | $214 | $2,568 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-424 | $-5,088 |
| NOI | $-424 | $-5,088 |
Flip rule of thumb: buy at ≤ 70% of ARV minus repair costs.
Have a question?
Send a message and Haris will get back to you — usually the same day.
Talk to Haris
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