Property Type: Detached HouseOwnership: Freehold

1731 Northgate Rd

Cobble Hill, BC V8H0B3

$1,548,800

3 bed4 bath8 parking3,665 sqftBuilt 2021
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Property Details

Property & Lot

Sub-type
House
Lot size
1 acres
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,182.41

Interior

Heating
Forced air
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Parking

Total spaces
8

Room Dimensions

RoomLevelDimensions
BathroomMain level2-Piece
EntranceOther
KitchenOther
Living room/Dining roomOther
EntranceMain level
Mud roomMain level
Laundry roomMain level
DenMain level
EnsuiteMain level3-Piece
EnsuiteMain level3-Piece
BedroomMain level
EnsuiteMain level5-Piece
BedroomMain level
Primary BedroomMain level
Dining roomMain level
KitchenMain level
Living roomMain level

Listing Information

MLS®
1046575
Listed
August 12, 2026
Time on market
On the market for 19 days
Data last synced
August 28, 2026

Listing provided by: Day Team Realty Ltd · Data source: CREA DDF.

Description

Imagine this custom-built rancher boasting over 3,000 square feet, complete with a detached triple-car garage with 665 sq ft of living space above, all nestled on a private 0.98-acre property in the highly desirable area of Cobble Hill. This home is almost at the finish line—add your finishing touches, landscape design, and paved patios! View some of the renderings to see what this stunning estate can become. The detached triple-car garage offers an oversized door for larger RV vehicles and so much more. Inside the main home, you'll find custom oversized wood doors throughout. As you enter, you will be captivated by the soaring cedar vaulted ceilings and a wall of glass overlooking your private rear yard backing onto a peaceful creek. Features include luxury floors throughout, a floor-to-ceiling stone woodstove, and a large den off the main living area. The open layout showcases a gourmet kitchen with quartz countertops, an oversized breakfast bar, a large eating area or dining room, plenty of cabinets, a built-in stainless wine fridge, an oversized stainless refrigerator, a top-of-the-line stove with six burners and a griddle, a custom tile backsplash, custom lighting, and oversized wood shaker-style cabinets. The primary bedroom is very spacious and leads directly out to the rear patio area. It features an oversized ensuite with a glass shower, a deep soaker tub, extensive custom tile work, custom lighting, and solid wood doors. Additionally, there are two spacious guest bedrooms, each with their own private ensuite. Enjoy a private rear yard in a very desirable area of Cobble Hill, located only steps to Shawnigan Lake! Call Now (id:63159)

Values & Trends

This listing

$423/sqft

Building average

No other active listings in this building

Cobble Hill average

$521/sqft

28 active listing(s)

Parking: 8 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

14°C

Humidity 86%

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

7

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
Evergreen Independent School(Independent)Elementary2.1 km
Shawnigan Lake(Independent)Secondary2.3 km
Ecole Cobble Hill ElementaryElementary3.1 km
Discovery ElementaryElementary3.2 km
Frances Kelsey SecondarySecondary4.0 km
St John's Preparatory Academy Shawnigan(Independent)K-124.2 km
George Bonner ElementaryElementary4.2 km
Brentwood College(Independent)Secondary5.3 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 (4)

  • Hill Park276 m
  • Empress Park389 m
  • Melrose Park487 m
  • Peerless Road Park603 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($309,760) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,239,040.00
Periodic payment — Principal & Interest (monthly)$7,993.87
Additional monthly expenses (strata, tax, utilities, etc.)$864.87
Total monthly cost$8,858.73
Interest paid over 5-yr term$355,112.43
Balance at end of term$1,114,520.49

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$309,760
Stress test qualifying rate8.09%
Payment you must qualify for$9,527.78

Cash Needed at Closing

Minimum down payment$309,760
Estimated BC PTT$28,976
Legal / closing costs (typical estimate)$1,500
Total cash needed$340,236

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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