Property Type: Condo / ApartmentOwnership: Strata

123 Smith Rd

Salt Spring, BC V8K2W9

$2,195,000

4 bed6 bath6 parking4,864 sqftBuilt 2013
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Property Details

Property & Lot

Sub-type
House
Style
Westcoast, Other
Lot size
21,344 square feet
Zoning
Residential

R-01

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$168/mo
Annual property tax
$7,166

Interior

Heating
Heat Pump, Baseboard heaters, Hot Water, Other
Cooling / A/C
None
Fireplace
Yes (2)
Appliances
Washer, Refrigerator, Dishwasher, Range, Dryer, Microwave, Freezer, Oven - Built-In

Exterior & Lot

View
Ocean view
Waterfront
Waterfront on ocean
Lot features
Acreage, Private setting, Southern exposure, Wooded area, Sloping, Other, Marine Oriented, Moorage

Building

Parcel ID (PID)
002-727-145

Parking

Total spaces
6

Restrictions & Policies

Pets
Allowed with restrictions

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
BathroomLower level8'2 x 6'4
Exercise roomLower level18'6 x 35'0
Games roomLower level15'10 x 14'2
BathroomSecond level7'9 x 6'5
Primary BedroomAdditional Accommodation23'6 x 24'6
BathroomSecond level11'0 x 4'1
OfficeSecond level31'0 x 15'0
BathroomSecond level4'9 x 7'9
BedroomSecond level12'0 x 15'0
BedroomSecond level14'0 x 15'0
BathroomMain level6'0 x 5'10
Laundry roomMain level13'0 x 10'0
EnsuiteMain level10'8 x 14'0
Primary BedroomMain level14'0 x 15'0
KitchenMain level17'8 x 15'0
Dining roomMain level13'0 x 15'0
Living roomMain level13'0 x 20'0
EntranceMain level13'6 x 13'9

Listing Information

MLS®
1032734
Listed
April 19, 2026
Time on market
On the market for 135 days
Data last synced
September 1, 2026

Listing provided by: Easy List Realty · Data source: CREA DDF.

Description

For more information, please click Brochure button. Salt Spring Island waterfront home for sale in coveted Musgrave Landing—an architecturally striking timber-frame residence on a private 0.5-acre oceanfront lot with a private dock and access to deep-water moorage. Offering approximately 5,264 sq ft over three levels, this road-accessible Gulf Islands retreat blends West Coast craftsmanship with modern luxury. The main home features 3 bedrooms plus a flexible full studio guest accommodation, 4 full bathrooms and 2 powder rooms, generous indoor–outdoor living, and an oversized two-car garage - 596 sq ft. Thoughtful extras include a fully equipped woodworking shop, dedicated cold storage, and a year-round golf simulator—all ideal for work, hobbies, and entertaining. Set within a well-managed Bare Land Strata, owners enjoy amenities rarely found on Salt Spring: a large community dock with deep-water moorage, plus a tennis/pickleball court and shared green spaces. From your dock it’s roughly a 10–15 minute boat ride to Cowichan Bay on Vancouver Island—perfect for groceries, the farmers’ market, dining, and services. An exceptional opportunity for a private oceanfront residence, vacation property, or retreat on Salt Spring Island. Experience Salt Spring Island’s best combination of waterfront, moorage, privacy, and access. Do not miss out! (id:63159)

Values & Trends

This listing

$451/sqft

Building average

No other active listings in this building

Musgrave Ocean Estates average

No comparable active listings

Parking: 6 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

11

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 ElementaryElementary4.9 km
Ecole Cobble Hill ElementaryElementary7.1 km
Sunrise Waldorf School(Independent)Elementary/Middle7.9 km
Evergreen Independent School(Independent)Elementary8.0 km
Maple Bay ElementaryElementary8.6 km
George Bonner ElementaryElementary9.3 km
Queen of Angels School(Independent)Elementary/Middle9.8 km
Frances Kelsey SecondarySecondary10.2 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)

  • Musgrave Point Park70 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($439,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,756,000.00
Periodic payment — Principal & Interest (monthly)$11,329.12
Additional monthly expenses (strata, tax, utilities, etc.)$1,008.59
Total monthly cost$12,337.70
Interest paid over 5-yr term$503,274.65
Balance at end of term$1,579,527.68

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$439,000
Stress test qualifying rate8.09%
Payment you must qualify for$13,503.03

Cash Needed at Closing

Minimum down payment$439,000
Estimated BC PTT$43,850
Legal / closing costs (typical estimate)$1,500
Total cash needed$484,350

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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