Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

12975 TOW HILL ROAD

Masset, BC V0T1M0

$724,900

3 bed2 bath1,514 sqftBuilt 1960
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
1.22 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,671.65 (2026)

Interior

Basement
Crawl space
Heating
Baseboard heaters, Electric, Wood
Fireplace
Yes (1)

Exterior & Lot

Exterior features
Wood
View
Ocean view
Waterfront
Waterfront

Building

Foundation
Preserved Wood
Roof
Metal, Conventional

Parking

Features
Open

Room Dimensions

RoomLevelDimensions
WorkshopMain level
FoyerMain level
KitchenMain level
Living roomMain level
Bedroom 2Main level
Laundry roomMain level
Enclosed porchMain level
OtherAbove
Bedroom 3Above
Primary BedroomAbove
OtherAbove

Listing Information

MLS®
R3159243
Listed
August 26, 2026
Time on market
On the market for 5 days
Tax assessment year
2026
Data last synced
August 28, 2026

Listing provided by: Sutton Group-West Coast Realty (Nan) · Data source: CREA DDF.

Description

Wake up to the sound of the ocean on Tow Hill's coveted South Beach. This cozy 1,514 sq. ft. oceanfront home sits privately among the trees on 1.223 acres, with a long sandy beach, dunes and excellent surfing right at your doorstep. Offering 3 bedrooms and 2 full bathrooms, the home is designed for relaxed coastal living with spectacular oceanfront surroundings. Enjoy the new deck and balcony while taking in the ever-changing views, or cozy up beside the 3-year-old wood stove. A durable 2-year-old metal roof adds peace of mind. An application for approximately 0.3 additional acres of accreted land is also in progress. A rare opportunity to own a private oceanfront retreat in one of Haida Gwaii's most sought-after beach settings. Surf, explore, relax and enjoy the beauty of coastal living. (id:63159)

Values & Trends

This listing

$479/sqft

Building average

No other active listings in this building

Masset average

$324/sqft

7 active listing(s)

Parking: Not indicatedStorage 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

Cloudy

12°C

Cloudy

Humidity 97%

Wind S 8 km/h

Tonight

12°

Tuesday

14°

Tuesday night

13°

Wednesday

18°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Population

838

(2021 Census)

+5.7% since 2016

Density: 40.5/km²

Dwellings: 518

Median household income: $67,000

After-tax: $59,600

Immigrant population: 7.5%

Top countries of origin (% of total population)

  • Philippines2.4% · 20
  • United States of America1.8% · 15

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Haida Gwaii (SD50)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($47,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$579,920.00
Periodic payment — Principal & Interest (monthly)$3,741.45
Additional monthly expenses (strata, tax, utilities, etc.)$298.64
Total monthly cost$4,040.08
Interest paid over 5-yr term$166,206.74
Balance at end of term$521,639.92

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,490
Stress test qualifying rate8.09%
Payment you must qualify for$5,209.05

Cash Needed at Closing

Minimum down payment$47,490
Estimated BC PTT$12,498
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,488

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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