Property Type: Detached HouseOwnership: Freehold

1185 Stuart Pl

Ladysmith, BC V9G1P4

$819,000

4 bed3 bath3 parking1,968 sqftBuilt 1981
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Property Details

Property & Lot

Sub-type
House
Lot size
8,622 square feet
Zoning
Residential

R-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,651

Interior

Heating
Heat Pump, Forced air, Natural gas
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Parking

Total spaces
3 — covered indicated
Features
Garage

Room Dimensions

RoomLevelDimensions
BedroomMain level9'10 x 10'0
BedroomMain level9'10 x 11'3
Primary BedroomMain level12'2 x 11'8
EnsuiteMain level9'5 x 4'0
BathroomMain level9'5 x 5'0
KitchenMain level9'5 x 15'0
Dining roomMain level9'5 x 10'0
Living roomMain level13'1 x 16'9
StorageLower level8'0 x 10'0
BathroomLower level11'3 x 4'9
Laundry roomLower level7'9 x 16'7
DenLower level8'4 x 9'0
BedroomLower level11'4 x 18'0
EntranceLower level8'8 x 10'10

Listing Information

MLS®
1046334
Listed
August 12, 2026
Time on market
On the market for 19 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty (NA) · Data source: CREA DDF.

Description

Tucked away on a quiet cul-de-sac in a highly desirable family neighbourhood, this charming home offers plenty of space for the whole family. Featuring 4 bedrooms plus a den and 3 bathrooms, the flexible layout provides room to grow, work and unwind. The spacious kitchen offers an abundance of cupboard space, including 18 soft close drawers, quartz countertops and newer appliances. Downstairs, the fourth bedroom provides versatility and could easily be enjoyed as a family or rec room. Step outside to a sunny deck and gorgeous mature gardens, a dream for anyone with a green thumb! This home enjoys many updates include newer windows, a high-efficiency gas furnace with heat pump for year-round comfort, and much more on listing notes sheet attached. Ideally located within walking distance to parks, schools, the rec centre and more, this home combines convenience with a wonderful family-friendly setting. Full of warmth and charm, this is one you truly need to see in person to appreciate! (id:63159)

Values & Trends

This listing

$416/sqft

Building average

No other active listings in this building

Ladysmith average

$550/sqft

69 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: Nanaimo

Partly Cloudy

15°C

Partly Cloudy

Humidity 85%

Wind N 2 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

8,990

(2021 Census)

+5.3% since 2016

Density: 746.7/km²

Dwellings: 4,079

Median household income: $81,000

After-tax: $72,500

Immigrant population: 12.7%

Top countries of origin (% of total population)

  • United Kingdom4.9% · 440
  • United States of America1.3% · 120
  • Germany0.7% · 65
  • Netherlands0.5% · 45
  • Poland0.3% · 25
  • South Africa, Republic of0.3% · 25
  • India0.3% · 25
  • Mexico0.2% · 20

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

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
Ladysmith SecondarySecondary712 m
Ladysmith IntermediateElementary829 m
Ladysmith PrimaryElementary998 m
Stz'uminus Senior Secondary(Independent)Secondary4.6 km
North Oyster ElementaryElementary5.7 km
Chemainus Elementary Community SchoolElementary10.4 km
Thetis Island ElementaryElementary10.8 km
Chemainus SecondaryK-1210.9 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 (2)

  • Kinsmen Park235 m
  • Resolution Park388 m

Gyms (1)

  • Frank Jamison Community Center647 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 6.9% ($56,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$655,200.00
Periodic payment — Principal & Interest (monthly)$4,227.13
Additional monthly expenses (strata, tax, utilities, etc.)$485.58
Total monthly cost$4,712.71
Interest paid over 5-yr term$187,782.20
Balance at end of term$589,354.52

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$56,900
Stress test qualifying rate8.09%
Payment you must qualify for$5,860.28

Cash Needed at Closing

Minimum down payment$56,900
Estimated BC PTT$14,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$72,780

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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