Property Type: Detached HouseOwnership: Freehold

1164 North End Rd

Salt Spring, BC V8K1M1

$1,989,000

3 bed4 bath4 parking2,944 sqftBuilt 1990
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Property Details

Property & Lot

Sub-type
House
Lot size
1.6 acres
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,577.02

Interior

Heating
Heat Pump, Baseboard heaters, Electric, Wood
Cooling / A/C
Wall unit
Fireplace
Yes (1)

Exterior & Lot

View
Lake view, Mountain view
Waterfront
Waterfront on lake

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
Sitting roomMain level9' x 11'
BedroomSecond level19' x 12'
BedroomSecond level17' x 12'
SunroomMain level17' x 7'
EnsuiteMain level4-Piece
BathroomSecond level3-Piece
BathroomMain level2-Piece
BathroomLower level4-Piece
Primary BedroomMain level19' x 13'
KitchenMain level16' x 11'
KitchenLower level11' x 17'
Dining roomMain level14' x 13'
PorchMain level4' x 39'
PorchMain level50' x 8'
Living roomMain level21' x 15'
Family roomLower level15' x 15'
EntranceMain level12' x 11'

Listing Information

MLS®
1040371
Listed
June 17, 2026
Time on market
On the market for 75 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes - Salt Spring · Data source: CREA DDF.

Description

St. Mary's Lake Waterfront rarely comes available. A long driveway winding through mature forest leads to this private 1.6-acre property featuring approximately 175 feet of level, developed southwest-facing waterfront with a dock already in place. Positioned close to the shoreline, the home is designed to take full advantage of its exceptional setting and expansive 270° lake views. Offering just under 3,000 sq. ft. of living space, the home features a main-level primary bedroom, two additional bedrooms upstairs, and a self-contained bachelor suite on the lower level for guests or extended family. A full-length deck and covered patios provide ample space for outdoor enjoyment. Additional features include a wood-burning fireplace, heat pump, attractive wood flooring, quality wood cabinetry, and a detached two-car garage. Life on St. Mary's Lake offers a unique island lifestyle, with swimming, paddling, boating, and year-round enjoyment right from your doorstep. (id:63159)

Values & Trends

This listing

$676/sqft

Building average

No other active listings in this building

Salt Spring average

$761/sqft

81 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: Duncan

15°C

Humidity 82%

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

4

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
Fernwood ElementaryElementary2.7 km
Phoenix PlaceSecondary3.7 km
Gulf Islands SecondarySecondary3.7 km
Salt Spring ElementaryElementary4.0 km
Crofton Elementary Community SchoolElementary8.6 km
Maple Bay ElementaryElementary12.4 km
Galiano Community SchoolElementary14.5 km
Chemainus SecondaryK-1214.9 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

Parks (1)

  • Trincomali Heights Linear Park715 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($397,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,591,200.00
Periodic payment — Principal & Interest (monthly)$10,265.88
Additional monthly expenses (strata, tax, utilities, etc.)$861.75
Total monthly cost$11,127.63
Interest paid over 5-yr term$456,042.49
Balance at end of term$1,431,289.55

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$397,800
Stress test qualifying rate8.09%
Payment you must qualify for$12,235.77

Cash Needed at Closing

Minimum down payment$397,800
Estimated BC PTT$37,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$437,080

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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