Property Type: Detached HouseOwnership: Freehold

1465 North End Rd

Salt Spring, BC V8K1M5

$699,999

3 bed1 bath3 parking1,272 sqftBuilt 1963
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Property Details

Property & Lot

Sub-type
House
Lot size
1.28 acres
Zoning
Residential

RWI / DPA 7

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$3,112

Interior

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

Parking

Total spaces
3 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
PatioMain level22' x 27'
BathroomMain level8' x 6'
BedroomMain level13' x 11'
BedroomMain level9' x 9'
KitchenMain level19' x 12'
Dining roomMain level7' x 17'
Living roomMain level11' x 19'
PorchMain level5' x 10'
Primary BedroomMain level10' x 19'

Listing Information

MLS®
1031948
Listed
April 16, 2026
Time on market
On the market for 137 days
Data last synced
August 28, 2026

Listing provided by: Macdonald Realty Salt Spring Island · Data source: CREA DDF.

Description

This well-appointed 3-bedroom, 1,200+ sq. ft. home is set on a natural, treed 1.28-acre lot, offering a practical balance of privacy, space and convenience. Vaulted ceilings and distinctive pyramid-style skylights fill the home with natural light, creating a bright, welcoming atmosphere. The open-concept living area flows onto a generous deck where you can relax, dine outdoors and entertain guests. A fireplace with an efficient insert adds warmth and ambiance. Just across the road, St. Mary Lake is renowned for swimming, trout and bass fishing and boating, placing some of Salt Spring’s favourite recreation right at your doorstep. Easy access to town, schools and ferries adds everyday accessibility, while piped water offers peace of mind during the drier summer months. Zoning allows for an accessory building or studio, offering the creative planner flexibility for additional workspace, or future possibilities. Truly a thoughtfully designed home—this is one to see. (id:63159)

Values & Trends

This listing

$550/sqft

Building average

No other active listings in this building

Salt Spring average

$763/sqft

81 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: 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.

Nearby Schools

SchoolTypeDistance
Fernwood ElementaryElementary1.2 km
Phoenix PlaceSecondary5.1 km
Gulf Islands SecondarySecondary5.1 km
Salt Spring ElementaryElementary5.3 km
Crofton Elementary Community SchoolElementary9.0 km
Maple Bay ElementaryElementary13.4 km
Chemainus SecondaryK-1214.3 km
Galiano Community SchoolElementary14.8 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: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($45,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$559,999.00
Periodic payment — Principal & Interest (monthly)$3,612.92
Additional monthly expenses (strata, tax, utilities, etc.)$323.33
Total monthly cost$3,936.26
Interest paid over 5-yr term$160,497.32
Balance at end of term$503,720.91

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$45,000
Stress test qualifying rate8.09%
Payment you must qualify for$5,036.71

Cash Needed at Closing

Minimum down payment$45,000
Estimated BC PTT$12,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$58,500

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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