20 Montclair Street
Mount Pearl, NL, A1N4N9
List price
$299,999
No conveyance of offers until
Thursday, November 12 at 6:00 p.m. NST
1
day left
The Seller(s) hereby directs the listing Brokerage there will be no conveyance of any written signed offers prior to 6PM on the 12th day of November, 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Deadline extracted automatically from the listing remarks; it may be missing, incomplete, or out of date.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® 1305263
Welcome to this fully developed split-entry home offering the perfect combination of space, functionality, and value! Boasting over 1,600 square feet of living space, this well-designed home features four bedrooms and one full bathroom, making it an excellent option for first-time buyers, growing families, or those looking for additional space. The main level offers a bright, open-concept living and dining area that flows seamlessly into the kitchen, complete with a convenient island for added prep space and casual dining. Two bedrooms, including the primary bedroom, and a full bathroom complete the main floor. Downstairs, you’ll find two additional bedrooms, a spacious rec room, laundry area, and a dedicated workshop or storage room, providing plenty of flexibility for hobbies, storage, or everyday living. Outside, a storage shed offers even more convenience. Situated in a fantastic location, this property offers an excellent opportunity to enjoy a spacious, fully developed home at an attractive value. Don’t miss your chance to make it yours! The Seller(s) hereby directs the listing Brokerage there will be no conveyance of any written signed offers prior to 6PM on the 12th day of November, 2026. The seller further directs that all offers are to remain open for acceptance until 11PM on the 12th day of November, 2026.
Property details
More details
Overview
The home
Systems & utilities
Size & land
Taxes
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 | Workshop Laundry room Recreation room Bedroom Bedroom | 11.4 x 7.10 · 81 sqft 7.3 x 3.6 · 26 sqft 16.1 x 11.2 · 180 sqft 10.10 x 9.9 · 100 sqft 11.9 x 10.11 · 120 sqft |
| Main level | Bath (# pieces 1-6) Bedroom Primary Bedroom Living room/Dining room Kitchen | 3 piece 9.9 x 7.9 · 78 sqft 11.5 x 10.9 · 125 sqft 18.2 x 13.9 · 253 sqft 10.7 x 7.4 · 79 sqft |
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
51
Median list price
$449k
Price range
$66k – $3.8M
Typical build
1984
Average size
2,553 sqft
Where Mount Pearl listings are priced
Every active list price in Mount Pearl, grouped into bands.
List price, thousands of $ · 48 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 2 |
| 200–300 | 9 |
| 300–400 | 11 |
| 400–500 | 7 |
| 500–750 | 7 |
| 750–1M | 5 |
| 1M+ | 7 |
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 scores for this exact address.
Location, air, flood & taxes
Flood (100-yr)
outside the mapped floodplain
Elevation
220 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.
Property tax
$1,852 / year
≈ $154 / month
Climate
Feb -1° · Jul 21°
normal daily high · ST JOHN'S A station · 1981–2010
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: $110,992
Closing costs + five years of running costs + 60 mortgage payments on a $299,999 home.
If rates rise 2 points
$17,467 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$1,298
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$60,000
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$2,118
- Property taxfrom the feed$1,852
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $25,350
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $1,640 | $126,525 | needs mortgage insurance (not modelled) |
| 10% | $1,553 | $121,347 | needs mortgage insurance (not modelled) |
| 20% | $1,381 | $110,992 | 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 35 active
Priced at the 46th percentile of active Mount Pearl homes
$184/sqft, city median $188/sqft.
Winter warmer
Jan–Mar · estimate
$353/mo
Est. winter heating (electricity): about $1,059 for January through March.
Estimate, not an appraisal. electricity at 15.587¢/kWh (Newfoundland Power, eff. Jul 1 2026, pre-HST). 1,628 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.
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%$1,381/mo
- Today, posted2026-11-04 · 6.19%$1,574/mo
- 5 years ago2021-11-03 · 4.79%$1,374/mo
- 10 years ago2016-11-02 · 4.64%$1,353/mo
At 6.19%, five years ago, the same mortgage would have cost $194 more each month than at today's posted rate.
Principal & interest only: $239,999 (80% of the $299,999 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.
Ask this listing
open data · 1 question
- 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
$1,419/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$155/mo
Principal & interest $0 + property tax $155 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-374
NOI / month
$-374
Cap rate
-1.50%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $155 | $1,852 |
| Expenses | $220 | $2,640 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-374 | $-4,488 |
| NOI | $-374 | $-4,488 |
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