Property Type: Detached HouseOwnership: Freehold

1607 North Beach Rd

Salt Spring, BC V8K1A8

$1,499,000

2 bed2 bath3 parking1,187 sqftBuilt 1979
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Property Details

Property & Lot

Sub-type
House
Lot size
19,166 square feet
Zoning
Rural residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,555

Interior

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

Exterior & Lot

Waterfront
Waterfront on ocean

Parking

Total spaces
3

Room Dimensions

RoomLevelDimensions
Laundry roomMain level9' x 8'
OfficeMain level6' x 9'
EnsuiteMain level3-Piece
BedroomMain level9' x 10'
BathroomMain level4-Piece
Primary BedroomMain level10' x 12'
KitchenMain level10' x 9'
Dining roomMain level12' x 10'
Living roomMain level12' x 17'
WorkshopMain level18' x 15'
StudioMain level19' x 19'
EntranceMain level7' x 9'

Listing Information

MLS®
1044799
Listed
August 1, 2026
Time on market
On the market for 30 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes - Salt Spring · Data source: CREA DDF.

Description

This might just be the perfect beach house, complete with an artist’s retreat that promises inspiration and relaxation in equal measure. Imagine yourself surrounded by breathtaking views of Trincomali Channel and a scattering of picturesque islands, with over 900 square feet of wrap-around deck offering the ideal spot to watch a vibrant array of bird and marine life. Whether you’re looking to unwind or get active, you can stroll down to 100 feet of private beach frontage—perfect for launching a paddle board or kayak or enjoying a refreshing swim. Step inside and you’ll be greeted by the home’s undeniable charm. The vaulted post-and-beam great room features natural wood ceilings and panoramic ocean views that extend from the kitchen to the dining and living areas. Sunlight streams through ample windows, filling the space with warmth, while a cozy wood stove invites you to gather and relax. The kitchen boasts wrap-around butcher block countertops, providing plenty of workspace for culinary adventures. The primary bedroom offers stunning ocean views, direct deck access, and a beautifully updated ensuite. There’s also an updated main bathroom and laundry area for convenience. For those seeking a quiet space to work or create, a private office tucked away in the home features its own ocean view. Adding to the appeal, there’s a separate workshop and greenhouse for your creative projects and gardening pursuits, plus extra water catchment to support your gardening needs. This is a rare opportunity to enjoy the ultimate blend of coastal living and artistic inspiration. (id:63159)

Values & Trends

This listing

$1,263/sqft

Building average

No other active listings in this building

Salt Spring average

$754/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 ElementaryElementary2.7 km
Phoenix PlaceSecondary8.9 km
Gulf Islands SecondarySecondary8.9 km
Salt Spring ElementaryElementary9.2 km
Crofton Elementary Community SchoolElementary9.5 km
Chemainus SecondaryK-1211.9 km
Thetis Island ElementaryElementary12.4 km
Chemainus Elementary Community SchoolElementary12.5 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.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 8.3% ($124,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,199,200.00
Periodic payment — Principal & Interest (monthly)$7,736.83
Additional monthly expenses (strata, tax, utilities, etc.)$521.92
Total monthly cost$8,258.75
Interest paid over 5-yr term$343,694.17
Balance at end of term$1,078,684.28

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$124,900
Stress test qualifying rate8.09%
Payment you must qualify for$10,566.35

Cash Needed at Closing

Minimum down payment$124,900
Estimated BC PTT$27,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$154,380

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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