Property Type: Detached HouseOwnership: Freehold

108 River Rd

Lake Cowichan, BC V0R2G0

$789,900

3 bed2 bath6 parking2,098 sqftBuilt 1992
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Property Details

Property & Lot

Sub-type
House
Lot size
8,276 square feet
Zoning
Residential

R3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,609

Interior

Heating
Heat Pump, Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view

Parking

Total spaces
6

Room Dimensions

RoomLevelDimensions
Laundry roomMain level
Family roomMain level
BathroomMain level4-Piece
BedroomMain level
BedroomMain level
EnsuiteMain level3-Piece
Primary BedroomMain level
Dining nookMain level
KitchenMain level
Living roomMain level
Dining roomMain level

Listing Information

MLS®
1043405
Listed
July 30, 2026
Time on market
On the market for 32 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Generation (LC) · Data source: CREA DDF.

Description

Welcome to 108 River Rd, where location and lifestyle come together in the heart of Lake Cowichan. Just three doors down from the beloved Duck Pond, you'll have easy access to the community's favourite river beach, playground, and tubing launch. A nearby pedestrian bridge connects you directly to the downtown core, making it an easy walk to coffee shops, restaurants, shopping, and local entertainment. This immaculate rancher offers nearly 2,100 sqft of beautifully maintained living space, all on one level. Inside you'll find 3 bedrooms, 2 renovated bathrooms, a bright south-facing kitchen with a spacious eating nook, formal dining room, inviting living room with a cozy propane fireplace, and an expansive family/bonus room. Outside, enjoy a low-maintenance yard featuring a stunning cedar and concrete deck, replaced in 2010, creating the perfect space for entertaining or relaxing. Additional features include a new forced-air heat pump with air conditioning, asphalt shingle roof (2010), central vacuum, an attached storage shed, two driveways with RV parking, and an impressive 5-foot crawl space offering exceptional storage. Whether you're looking for easy one-level living, room for the whole family, or a walkable lifestyle just steps from the river, this exceptional home offers the perfect opportunity to enjoy everything Lake Cowichan has to offer. (id:63159)

Values & Trends

This listing

$377/sqft

Building average

No other active listings in this building

Lake Cowichan average

$495/sqft

34 active listing(s)

Parking: 6 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: Duncan

14°C

Humidity 86%

Wind NNW calm km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

3,325

(2021 Census)

+3.1% since 2016

Density: 403.5/km²

Dwellings: 1,586

Median household income: $68,000

After-tax: $62,400

Immigrant population: 7.7%

Top countries of origin (% of total population)

  • United Kingdom3.2% · 105
  • United States of America0.9% · 30
  • Germany0.6% · 20
  • South Africa, Republic of0.5% · 15
  • India0.5% · 15
  • Poland0.3% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

44

6/9 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
Lake Cowichan ElementaryElementary594 m
Lake Cowichan SecondaryElementary594 m
Palsson ElementaryElementary681 m
Tansor ElementaryElementary22.8 km
Ecole Mount Prevost ElementaryElementary24.2 km
Drinkwater ElementaryElementary24.8 km
Ladysmith SecondarySecondary24.9 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

Restaurants (4)

  • Jake's at the Lake · 109 South Shore Road308 m
  • J&V Diner · 162 South Shore Road525 m
  • Shaker Mill · 72 Cowichan Lake Road680 m
  • Lakeside Sushi · 78 Cowichan Lake Road694 m

Cafes (3)

  • Ed's Coffee House · 67 South Shore Road239 m
  • Tim Hortons562 m
  • River Cafe · 56 South Shore Road571 m

Grocery (1)

  • Country Grocer · 83 Cowichan Lake Road729 m

Parks (5+)

  • Riverside Park120 m
  • Ohtaki Park231 m
  • Forest Workers Memorial Park273 m
  • Ts'uubaa-asatx Square298 m
  • Saywell Park387 m

Shopping (1)

  • Fields335 m

Pharmacies (1)

  • Island Pharmacy · 138 South Shore Road410 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.8% ($53,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$631,920.00
Periodic payment — Principal & Interest (monthly)$4,076.93
Additional monthly expenses (strata, tax, utilities, etc.)$489.08
Total monthly cost$4,566.02
Interest paid over 5-yr term$181,110.09
Balance at end of term$568,414.08

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$53,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,658.89

Cash Needed at Closing

Minimum down payment$53,990
Estimated BC PTT$13,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$69,288

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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