Property Type: Detached HouseOwnership: Freehold

1725 Elford Rd

Shawnigan Lake, BC V0R2W2

$690,000

2 bed1 bath6 parking874 sqftBuilt 1965
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Property Details

Property & Lot

Sub-type
House
Lot size
0.87 acres
Zoning
Residential

R-3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,694.01

Interior

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

Parking

Total spaces
6

Room Dimensions

RoomLevelDimensions
StorageOther
StorageOther
StorageOther
WorkshopOther
PorchMain level
BathroomMain level
Primary BedroomMain level
KitchenMain level
Dining roomMain level
Living roomMain level
BedroomMain level

Listing Information

MLS®
1038926
Listed
June 1, 2026
Time on market
On the market for 91 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes Ltd. · Data source: CREA DDF.

Description

Set on nearly an acre in the heart of Shawnigan Lake, 1725 Elford Road offers a rare blend of land, privacy, and opportunity. Well-suited for those looking to enjoy the home as it is, invest in a rental property, or who wish to create something truly special, the property features a cozy two-bedroom, one bathroom cottage-style home with a bright and inviting layout. Surrounded by nature yet conveniently located just minutes from public beaches, scenic trails, and Shawnigan Lake Village, this property offers the best of rural living with an easy commute to Victoria, Duncan and additional amenities close by in Mill Bay. Multiple outbuildings, including a large powered workshop, add valuable functionality for storage, hobbies, or creative projects. Whether you envision building new, renovating, or simply enjoying the space as it is, this property offers exceptional flexibility and lifestyle! (id:63159)

Values & Trends

This listing

$789/sqft

Building average

No other active listings in this building

Shawnigan average

$650/sqft

38 active listing(s)

Parking: 6 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: Malahat

Mainly Clear

16°C

Mainly Clear

Humidity 73%

Wind S 6 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

22

5/9 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
St John's Preparatory Academy Shawnigan(Independent)K-121.4 km
Shawnigan Lake(Independent)Secondary1.7 km
Discovery ElementaryElementary2.4 km
Frances Kelsey SecondarySecondary4.0 km
George Bonner ElementaryElementary4.7 km
Evergreen Independent School(Independent)Elementary4.7 km
Brentwood College(Independent)Secondary4.8 km
Ecole Cobble Hill ElementaryElementary5.6 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

Restaurants (1)

  • The Corner Table · 2740 Dundas Road684 m

Cafes (1)

  • Shawnigan House766 m

Parks (5+)

  • Bob-O-Link Trail205 m
  • Courtney Way Park658 m
  • Gibsons Park708 m
  • Old Baldy Mountain Trail740 m
  • Galland Road Park756 m

Gyms (1)

  • KaliYoga Studio · 2721 Shawnigan Lake Road597 m

Pharmacies (1)

  • Island Pharmacy IDA · 1769 Shawnigan Lake-Mill Bay Road789 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($44,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$552,000.00
Periodic payment — Principal & Interest (monthly)$3,561.32
Additional monthly expenses (strata, tax, utilities, etc.)$268.50
Total monthly cost$3,829.82
Interest paid over 5-yr term$158,204.79
Balance at end of term$496,525.79

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$44,000
Stress test qualifying rate8.09%
Payment you must qualify for$4,967.51

Cash Needed at Closing

Minimum down payment$44,000
Estimated BC PTT$11,800
Legal / closing costs (typical estimate)$1,500
Total cash needed$57,300

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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