21 - 23 Boyd Avenue
Clarke's Beach, NL, A0A1W0
List price
$399,900
About this propertyMLS® 1305249
Welcome to this beautiful family home located on a quiet cul-de-sac in the heart of Clarke's Beach, just minutes from schools, shopping, and other amenities in a desirable family-oriented neighborhood. Offering approximately 2,343 square feet of living space, this well-maintained home was designed with a growing family in mind. The main floor features three spacious bedrooms, two full bathrooms, main floor laundry, and an attached double garage for everyday convenience. Upstairs, you'll find a large family room, a fourth bedroom or bonus room that would make an ideal games room, home office, or hobby space. The home is heated by an efficient hot water radiation heating system, and the recently replaced oil tank is certified until 2051. Additional updates include new roof shingles and exterior siding completed approximately 4–5 years ago. Outside, the fully landscaped lot offers plenty of room for children and pets, a large asphalt driveway, and two detached storage sheds. This move-in-ready property offers the space, comfort, and location every family is looking for.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
Parking & outdoor
Features
Fees & source
Rooms
| Second level | Bedroom Family room | 12 x 13.5 · 162 sqft 12 x 18 · 216 sqft |
| Main level | Bath (# pieces 1-6) Primary Bedroom Den Bedroom Bedroom Bath (# pieces 1-6) Laundry room Living room Kitchen Dining room Foyer | 7 x 8' 7"" 13 x 14 · 182 sqft 12 x 13' 3"" 12 x 13' 6"" 13 x 13' 2"" 7 x 7' 9"" 5' 6"" x 9' 9"" 13.5 x 17' 12 x 13 · 156 sqft 9'6"" x 13' 3"" 6 x 6' 6"" |
Clarke's Beach at a glance
Live market stats for Clarke's Beach: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
20
Median list price
$202k
Price range
$50k – $1.2M
Typical build
1981
Average size
2,764 sqft
Where Clarke's Beach listings are priced
Every active list price in Clarke's Beach, grouped into bands.
List price, thousands of $ · 20 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 10 |
| 200–300 | 4 |
| 300–400 | 1 |
| 400–500 | 1 |
| 500–750 | 2 |
| 750–1M | 1 |
| 1M+ | 1 |
How Clarke's Beach compares
Median list price against the next biggest markets. Click a row for that area guide.
Clarke's Beachnearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
6 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
$1,528 / year
≈ $127 / 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: $150,329
Closing costs + five years of running costs + 60 mortgage payments on a $399,900 home.
If rates rise 2 points
$23,284 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$1,698
- 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)$4,712
- Property taxfrom the feed$1,528
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $36,700
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $2,186 | $171,035 | needs mortgage insurance (not modelled) |
| 10% | $2,071 | $164,133 | needs mortgage insurance (not modelled) |
| 20% | $1,841 | $150,329 | 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
$785/mo
Est. winter heating (heating oil): about $2,356 for January through March.
Estimate, not an appraisal. heating oil at $2.11/L (PUC max, Zone 1ANE, Oct 31 2026, pre-tax). 2,343 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%$1,841/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 $258 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.
Monthly carrying cost
$1,814/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$128/mo
Principal & interest $0 + property tax $128 per month
Financing breakdown
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 | $128 | $1,528 |
| Expenses | $372 | $4,464 |
| 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.
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