Property Type: Detached HouseOwnership: Freehold

1080 Maple Bay Rd

Duncan, BC V9L5X1

$887,000

5 bed3 bath7 parking2,422 sqftBuilt 1967
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Property Details

Property & Lot

Sub-type
House
Lot size
13,068 square feet
Zoning
Residential

R-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,397.82

Interior

Heating
Heat Pump, Electric
Cooling / A/C
Wall unit, Air Conditioned
Fireplace
Yes (2)

Parking

Total spaces
7

Room Dimensions

RoomLevelDimensions
StorageLower level7'2 x 7'4
BedroomLower level8'6 x 9'3
BedroomLower level10'10 x 10'3
Laundry roomLower level12'7 x 10'0
BathroomLower level3-Piece
StorageLower level7'5 x 5'2
BathroomLower level3-Piece
KitchenLower level9'1 x 9'8
Dining roomLower level9'1 x 6'8
Living roomLower level14'9 x 18'10
BedroomMain level8'9 x 9'1
Primary BedroomMain level12'5 x 11'0
BedroomMain level9'6 x 10'10
BathroomMain level4-Piece
Laundry roomMain level7'11 x 5'7
KitchenMain level10'1 x 10'0
Dining roomMain level10'1 x 11'9
Living roomMain level13'7 x 18'10
EntranceMain level9'3 x 6'10

Listing Information

MLS®
1043767
Listed
July 28, 2026
Time on market
On the market for 35 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Duncan Realty · Data source: CREA DDF.

Description

A rare opportunity for flexible living or strong rental income with approved suite. This split entry home offers 2 separate, well appointed suites. The upper level provides 1259 SF with 3 bedrooms & 1 bath with a spacious layout & a large concrete deck for outdoor enjoyment. The lower suite has 1255 SF with 2 bed/2 bath & was fully renovated in 2024 with a contemporary kitchen, new main bathroom, updated lighting, doors, paint, & new carpet. Extensive 2024 improvements include roughly $40,000 in landscaping & septic upgrades. Fully fenced backyard with storage shed & new rock walls offers privacy & usable outdoor space. The property is designed for convenience with a circular driveway, single garage, double carport with locked storage, & RV parking. Metal roof, vinyl windows, woodstoves & ductless heat pumps in each unit add comfort & efficiency. Lower tenant moving out September 1. Excellent upper tenants pay $2500 per month & would love to stay. Wonderful location close to Maple Bay. (id:63159)

Values & Trends

This listing

$366/sqft

Building average

No other active listings in this building

East Duncan average

$470/sqft

72 active listing(s)

Parking: 7 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

13°C

Humidity 92%

Wind SSW calm km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

5,047

(2021 Census)

+2.1% since 2016

Density: 2,450/km²

Dwellings: 2,620

Median household income: $53,200

After-tax: $49,600

Immigrant population: 11%

Top countries of origin (% of total population)

  • United Kingdom2.8% · 140
  • United States of America1.4% · 70
  • Germany1.1% · 55
  • Netherlands0.9% · 45
  • Philippines0.6% · 30
  • India0.4% · 20
  • Mexico0.3% · 15
  • Hungary0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

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
Maple Bay ElementaryElementary2.6 km
Crofton Elementary Community SchoolElementary5.6 km
Queen of Angels School(Independent)Elementary/Middle5.6 km
Alex AitkenElementary6.2 km
Alexander ElementaryElementary6.6 km
Duncan Christian School(Independent)K-126.7 km
Quamichan SchoolSecondary6.7 km
Des CascadesElementary7.3 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 (2)

  • Herd Road Park · 960 Herd Road222 m
  • Maple Bay Beach429 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($63,700) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$709,600.00
Periodic payment — Principal & Interest (monthly)$4,578.10
Additional monthly expenses (strata, tax, utilities, etc.)$570.82
Total monthly cost$5,148.92
Interest paid over 5-yr term$203,373.40
Balance at end of term$638,287.50

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$63,700
Stress test qualifying rate8.09%
Payment you must qualify for$6,330.89

Cash Needed at Closing

Minimum down payment$63,700
Estimated BC PTT$15,740
Legal / closing costs (typical estimate)$1,500
Total cash needed$80,940

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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