476-478 WATER Street
Harbour Grace, NL, A0A2M0
List price
$39,000
About this propertyMLS® 1305342
PRIME LOTS located on the HARBOUR GRACE WATERFRONT - Only the road separates you from the salt water. Town water available. Grid North survey will be provided. Lot is leveled off and ready to start your dream home. Southern exposure. Photo package available. Only 2 lots available...act fast! Price is plus HST.
Property details
More details
Overview
The home
Systems & utilities
Taxes
Features
Fees & source
Rooms
Harbour Grace at a glance
Live market stats for Harbour Grace: what's for sale, what it costs, how it compares to nearby towns, and how walkable this address is.
Homes for sale here
28
Median list price
$60k
Price range
$35k – $720k
Typical build
1988
Average size
2,854 sqft
Where Harbour Grace listings are priced
Every active list price in Harbour Grace, grouped into bands.
List price, thousands of $ · 28 homes
View as table
| Price band ($) | Listings |
|---|---|
| <200 | 21 |
| 200–300 | 4 |
| 300–400 | 2 |
| 500–750 | 1 |
How Harbour Grace compares
Median list price against the next biggest markets. Click a row for that area guide.
Harbour Gracenearby markets
Neighbourhood scores
Walk, bike, and transit scores for this exact address.
Location, air, flood & taxes
Elevation
0 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
$390 / year
≈ $33 / 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: $28,104
Closing costs + five years of running costs + 60 mortgage payments on a $39,000 home.
If rates rise 2 points
$2,271 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$254
- Legal feesest.estimate, your lawyer quotes the exact figure$1,500
- Down payment (20%)$7,800
Every year
- Heatingest.2× the Jan–Mar estimate (heating season ≈ 6 months)$1,626
- Property taxfrom the feed$390
- Home insuranceest.estimate, NL range $700–$1,500/yr$1,100
× 5 years = $15,580
By down payment
| Down | Payment | 5-yr all-in | Note |
|---|---|---|---|
| 5% | $213 | $30,123 | needs mortgage insurance (not modelled) |
| 10% | $202 | $29,450 | needs mortgage insurance (not modelled) |
| 20% | $179 | $28,104 | 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.
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%$179/mo
- Today, posted2026-11-04 · 6.19%$205/mo
- 5 years ago2021-11-03 · 4.79%$179/mo
- 10 years ago2016-11-02 · 4.64%$176/mo
At 6.19%, five years ago, the same mortgage would have cost $25 more each month than at today's posted rate.
Principal & interest only: $31,200 (80% of the $39,000 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
$197/mo
Calculators
Estimate payments and returns before you make an offer, all in one place.
Mortgage & investment calculator
Estimated monthly payment
$33/mo
Principal & interest $0 + property tax $33 per month
Financing breakdown
Investment calculator
Monthly cash flow
$-32
NOI / month
$-32
Cap rate
-0.98%
Gross yield
0.00%
| Line item | Monthly | Yearly |
|---|---|---|
| Gross rent | $0 | $0 |
| Mortgage | $0 | $0 |
| Property tax | $33 | $390 |
| Expenses | $0 | $0 |
| Vacancy | $0 | $0 |
| Management | $0 | $0 |
| Cash flow | $-32 | $-384 |
| NOI | $-32 | $-384 |
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