Property Type: Detached HouseOwnership: Freehold

10845 Chemainus Rd

Saltair, BC V9G2A4

$725,000

2 bed1 bath3 parking1,735 sqftBuilt 1948
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Property Details

Property & Lot

Sub-type
House
Lot size
0.63 acres
Zoning
Residential

R2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,971

Interior

Heating
Heat Pump, Forced air, Electric
Cooling / A/C
Wall unit
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view

Parking

Total spaces
3 — covered indicated
Features
Garage

Room Dimensions

RoomLevelDimensions
StudioOther13'6 x 23'5
Unfinished RoomLower level16'5 x 12'10
Unfinished RoomLower level26'9 x 29'3
EntranceMain level4'1 x 5'1
Mud roomMain level5'7 x 6'1
KitchenMain level13'3 x 9'3
Dining roomMain level7'3 x 8'1
Living roomMain level13'10 x 17'4
BedroomMain level12'0 x 12'0
Primary BedroomMain level12'7 x 12'0
BathroomMain level4-Piece

Listing Information

MLS®
1032931
Listed
April 28, 2026
Time on market
On the market for 125 days
Data last synced
August 28, 2026

Listing provided by: Real Broker · Data source: CREA DDF.

Description

Charming home on a level 0.62-acre lot with views of Mount Brenton, offering space, sun, and a true West Coast lifestyle. The main level features original fir flooring, two bedrooms, one bathroom, and a bright living, dining, and kitchen area. Stay comfortable year-round with an energy-efficient heat pump. The full walk-out basement is mostly unfinished, providing storage and a laundry area. A large deck offers the perfect space to relax and enjoy the outdoors, and leads to a detached 300 sq ft studio—ideal for a creative space, guest room, or home office. The property also includes a 1,000 sq ft garage/workshop with a separate 100-amp panel, perfect for hobbies, projects, or storage. The level, sun-filled yard has mature fruit trees of cherry, pear, and apple. Close to the town of Chemainus and just steps from Saltair Centennial Park, this is a versatile property in a peaceful mid-island setting. All measurements are approximate and should be verified by the buyer if deemed important. (id:63159)

Values & Trends

This listing

$418/sqft

Building average

No other active listings in this building

Saltair average

$505/sqft

7 active listing(s)

Parking: 3 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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

22

2/9 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
Chemainus Elementary Community SchoolElementary3.7 km
Stz'uminus Senior Secondary(Independent)Secondary4.2 km
Chemainus SecondaryK-124.3 km
Ladysmith PrimaryElementary5.7 km
Ladysmith SecondarySecondary5.9 km
Ladysmith IntermediateElementary6.0 km
Thetis Island ElementaryElementary7.8 km
North Oyster ElementaryElementary11.5 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

Cafes (1)

  • Coffee Shack · 10862 Chemainus Road65 m

Parks (3)

  • Clifcoe Extension184 m
  • Saltair Centennial Park271 m
  • Stocking Creek Park550 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($47,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$580,000.00
Periodic payment — Principal & Interest (monthly)$3,741.96
Additional monthly expenses (strata, tax, utilities, etc.)$417.92
Total monthly cost$4,159.88
Interest paid over 5-yr term$166,229.67
Balance at end of term$521,711.88

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,209.74

Cash Needed at Closing

Minimum down payment$47,500
Estimated BC PTT$12,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,500

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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