Property Type: Detached HouseOwnership: Freehold

10654 Youbou Rd

Youbou, BC V0R3E1

$698,000

4 bed2 bath4 parking2,040 sqftBuilt 1942
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Property Details

Property & Lot

Sub-type
House
Lot size
10,019 square feet
Zoning
Residential

R3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,372

Interior

Heating
Forced air, Oil
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

View
Lake view, Mountain view

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
Sitting roomLower level15' x 9'
StudioLower level16' x 8'
Mud roomMain level6'4 x 4'9
Primary BedroomMain level13'11 x 10'5
Living roomMain level19'5 x 14'2
KitchenMain level14'2 x 11'11
Family roomLower level24'4 x 23'1
Dining roomMain level14'2 x 7'0
BedroomLower level11'10 x 12'6
BedroomLower level8'8 x 11'8
BedroomMain level14'1 x 10'6
BathroomLower level3-Piece
BathroomMain level4-Piece

Listing Information

MLS®
1018732
Listed
November 25, 2025
Time on market
On the market for 279 days
Data last synced
August 28, 2026

Listing provided by: Newport Realty Ltd. · Data source: CREA DDF.

Description

This beautifully updated, move-in ready home features 4 bedrooms and 2 bathrooms, situated on a 0.23-acre lot with stunning views of Cowichan Lake and the surrounding mountains, just steps away from the beach. The layout includes 2 bedrooms on the main level and 2 additional bedrooms downstairs, making it ideal for families, guests, or the possibility of a suite. Enjoy bright, modern living spaces, a spacious kitchen, and large windows that highlight the picturesque Cowichan Lake. The private, fully fenced yard provides ample space for relaxation or gardening in a serene lakeside setting, perfect for year-round living or as a weekend retreat. (id:63159)

Values & Trends

This listing

$342/sqft

Building average

No other active listings in this building

Youbou average

$471/sqft

14 active listing(s)

Parking: 4 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Nearest station: Nanaimo

Partly Cloudy

15°C

Partly Cloudy

Humidity 87%

Wind SW 3 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

7

1/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Palsson ElementaryElementary13.0 km
Lake Cowichan ElementaryElementary13.0 km
Lake Cowichan SecondaryElementary13.0 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Parks (1)

  • Arbutus Park · 10700 Alder Crescent378 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($44,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$558,400.00
Periodic payment — Principal & Interest (monthly)$3,602.61
Additional monthly expenses (strata, tax, utilities, etc.)$383.00
Total monthly cost$3,985.61
Interest paid over 5-yr term$160,039.05
Balance at end of term$502,282.61

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$44,800
Stress test qualifying rate8.09%
Payment you must qualify for$5,022.88

Cash Needed at Closing

Minimum down payment$44,800
Estimated BC PTT$11,960
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,260

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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