Property Type: Detached HouseOwnership: Freehold

133 Baker Rd

Salt Spring, BC V8K2N6

$1,249,000

4 bed3 bath4 parking2,955 sqftBuilt 2020
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Property Details

Property & Lot

Sub-type
House
Lot size
0.5 acres
Zoning
Rural residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,294

Interior

Heating
Electric, Wood
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Total spaces
4 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
StorageLower level7'11 x 11'10
Hobby roomLower level15'0 x 12'3
BathroomLower level10'1 x 5'10
Primary BedroomLower level23'11 x 23'8
Laundry roomLower level6'11 x 6'10
BathroomLower level7'6 x 8'3
BedroomLower level11'8 x 10'0
KitchenAdditional Accommodation11'10 x 15'6
Living roomLower level11'10 x 17'1
LoftSecond level11'7 x 26'6
BedroomMain level12'11 x 13'1
BedroomMain level10'10 x 10'3
BathroomMain level8'0 x 7'5
SunroomMain level11'5 x 11'10
KitchenMain level12'2 x 22'5
Dining roomMain level13'1 x 11'1
Living roomMain level18'7 x 13'7
EntranceMain level15'9 x 5'4

Listing Information

MLS®
1027710
Listed
March 30, 2026
Time on market
On the market for 154 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Salt Spring · Data source: CREA DDF.

Description

Income Producing Home with Legal Suite - Perched on a quiet hillside minutes from town, this high-performance home blends vintage soul with elite engineering while offering exceptional rental potential or multi-generational living. South-facing and ideal for solar power, the property captures breathtaking, panoramic mountain, field, and pond views. Inside, original stained-glass windows add historic charm to a sun-drenched layout. The main level features a bright gourmet kitchen with a massive island and propane range, flowing into a living room anchored by a cozy wood stove. Designed to maximize income, the high-ceiling walkout level hosts a legal, 1-bedroom suite complete with a full kitchen and enhanced soundproofing for total privacy. The outdoor oasis boasts a fully fenced yard with fruit trees, a rainwater pond, and a massive deck with utility hookups and an enclosed bonus room below. Located near Ganges shopping, Baker Beach, and the Salt Spring Golf Course. A must see! (id:63159)

Values & Trends

This listing

$423/sqft

Building average

No other active listings in this building

Salt Spring average

$764/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
Phoenix PlaceSecondary2.2 km
Gulf Islands SecondarySecondary2.2 km
Salt Spring ElementaryElementary2.5 km
Fernwood ElementaryElementary4.5 km
Crofton Elementary Community SchoolElementary8.4 km
Maple Bay ElementaryElementary11.1 km
Queen of Angels School(Independent)Elementary/Middle14.1 km
Alex AitkenElementary14.5 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)

  • Portlock Park540 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 8.0% ($99,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$999,200.00
Periodic payment — Principal & Interest (monthly)$6,446.50
Additional monthly expenses (strata, tax, utilities, etc.)$505.83
Total monthly cost$6,952.33
Interest paid over 5-yr term$286,373.59
Balance at end of term$898,783.63

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$99,900
Stress test qualifying rate8.09%
Payment you must qualify for$8,836.18

Cash Needed at Closing

Minimum down payment$99,900
Estimated BC PTT$22,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$124,380

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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