Property Type: Land / LotOwnership: Freehold

12882 STONE ROAD

Pender Harbour, BC V0N2H1

$198,000

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Property Details

Property & Lot

Lot size
27,555.6 square feet

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$2,414.81 (2024)

Interior

Fireplace
None

Listing Information

MLS®
R3082781
Listed
January 24, 2026
Time on market
On the market for 220 days
Tax assessment year
2024
Data last synced
August 28, 2026

Listing provided by: RE/MAX City Realty · Data source: CREA DDF.

Description

Lovely private lot with mature trees in Madera Park. Centrally located, this .63 acre property is zoned for a single family dwelling plus an auxiliary dwelling. Septic system has been installed 1994 and registered at Coastal Health. This is a great opportunity for anyone looking to build. Close to beaches, amenities, school, art galleries, hiking trails. (id:63159)

Location Insights

Weather

Nearest station: Sechelt

16°C

Humidity 83%

Wind NW 5 km/h

Tonight

13°

Tuesday

20°

Tuesday night

14°

Wednesday

17°

Wednesday night

12°

Thursday

17°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Madeira Park ElementaryElementary1.7 km
Pender Harbour Elem-SecondaryK-126.3 km
Halfmoon Bay ElementaryElementary19.4 km
False Bay SchoolK-1221.2 km
West Sechelt ElementaryElementary24.0 km
Kinnikinnick ElementaryElementary24.4 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.

School district: Sunshine Coast (SD46)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($9,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$158,400.00
Periodic payment — Principal & Interest (monthly)$1,021.94
Additional monthly expenses (strata, tax, utilities, etc.)$201.23
Total monthly cost$1,223.18
Interest paid over 5-yr term$45,397.90
Balance at end of term$142,481.31

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$9,900
Stress test qualifying rate8.09%
Payment you must qualify for$1,446.42

Cash Needed at Closing

Minimum down payment$9,900
Estimated BC PTT$1,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$13,380

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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