Property Type: Detached HouseOwnership: Freehold

1141 Joyce Rd

Cowichan Bay, BC V0R1N2

$2,499,000

5 bed5 bath2 parking4,919 sqftBuilt 1979
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Property Details

Property & Lot

Sub-type
House
Lot size
2.55 acres
Zoning
Residential

RR1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$12,900

Interior

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

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
BathroomLower level7'7 x 4'10
PatioLower level20'7 x 29'8
GymLower level18'9 x 18'8
StorageLower level36'10 x 19'1
OtherLower level
Wine CellarLower level7'8 x 5'9
Recreation roomLower level24'8 x 15'20
BathroomSecond level7'4 x 11'4
BathroomMain level7'1 x 6'5
Family roomMain level15'2 x 24'11
Primary BedroomMain level13'8 x 11'7
EnsuiteMain level6'5 x 7'3
KitchenMain level21'3 x 15'4
PantryMain level17'9 x 12'12
Living roomMain level23'9 x 16'1
Dining roomMain level14'9 x 16'8
OtherMain level20'7 x 31'4
Primary BedroomSecond level17'11 x 16'5
EnsuiteSecond level10'4 x 10'3
BalconySecond level5'4 x 10'7
BedroomSecond level13'9 x 12'12
BalconySecond level4'3 x 12'5
BedroomSecond level12'11 x 12'1
BedroomSecond level12'11 x 12'1

Listing Information

MLS®
1029860
Listed
March 31, 2026
Time on market
On the market for 153 days
Data last synced
August 28, 2026

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

Description

Westcoast low bank oceanfront home on ultra private 2.55 acre lot. Welcome to your dream home! Almost 5000 sq ft 5 bed 5 bath home with boat launch (battery operated winch) and kayak storage. With 2100 sq ft + of decks & patios you can enjoy the ocean views from every angle, even the laundry flex room! Located in the desirable Cherry Point neighbourhood you are only minutes from the quaint sea side town of Cowichan Bay yet less than 1 hr drive to Victoria. Primary bedroom w ensuite on both main and upper floors for flexible forever living. Bask in the new electric cedar sauna or refresh in the outdoor cedar shower. View travelling orca pods from your living and dining room. Gaze over Saltspring island or paddle off to see it in person. Brand new carpet on entire second floor and main floor tv room and primary bedroom. New retaining rock wall along entire driveway. Stroll along the over 270ft of waterfront, or listen to the seasonal babbling of the creek. This is truly a special home. (id:63159)

Values & Trends

This listing

$508/sqft

Building average

No other active listings in this building

Cowichan Bay average

$567/sqft

17 active listing(s)

Parking: 2 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

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
Bench ElementaryElementary1.8 km
Ecole Cobble Hill ElementaryElementary4.3 km
Sunrise Waldorf School(Independent)Elementary/Middle4.8 km
Evergreen Independent School(Independent)Elementary5.1 km
George Bonner ElementaryElementary7.3 km
Frances Kelsey SecondarySecondary8.0 km
Noorunissa Montessori Academy of Canada(Independent)Elementary8.4 km
Maple Bay ElementaryElementary8.5 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

Parks (2)

  • Sutherland Park Trail297 m
  • Tom Bannister Park777 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($499,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,999,200.00
Periodic payment — Principal & Interest (monthly)$12,898.16
Additional monthly expenses (strata, tax, utilities, etc.)$1,321.00
Total monthly cost$14,219.16
Interest paid over 5-yr term$572,976.47
Balance at end of term$1,798,286.87

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$499,800
Stress test qualifying rate8.09%
Payment you must qualify for$15,373.15

Cash Needed at Closing

Minimum down payment$499,800
Estimated BC PTT$52,970
Legal / closing costs (typical estimate)$1,500
Total cash needed$554,270

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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