Property Type: Detached HouseOwnership: Freehold

1832 Fulford-Ganges Rd

Salt Spring, BC V8K2A5

$1,999,900

5 bed3 bath8 parking3,944 sqftBuilt 1999
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Property Details

Property & Lot

Sub-type
House
Lot size
9.76 acres
Zoning
Rural residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,326

Interior

Heating
Electric, Wood, Geo Thermal
Cooling / A/C
None
Fireplace
None

Exterior & Lot

View
Valley view

Parking

Total spaces
8 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
BathroomThird level
Attic (finished)Third level
BedroomThird level
Primary BedroomSecond level
BedroomSecond level
Laundry roomSecond level
OtherSecond level
BathroomSecond level
BedroomSecond level
BedroomSecond level
Living roomMain level
PantryMain level
BathroomMain level
KitchenMain level
Living room/Dining roomMain level
EntranceMain level
Family roomMain level
StorageLower level
StorageLower level
StorageLower level
StorageLower level
StorageLower level
StorageLower level
StorageLower level
StorageLower level

Listing Information

MLS®
1028036
Listed
May 12, 2026
Time on market
On the market for 111 days
Data last synced
August 28, 2026

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

Description

Set on nearly 10 acres over looking Fulford Valley, this exceptional rural farm offers the rare opportunity to embrace a true island homestead lifestyle. The 1999 farmhouse spans over 7,600 square feet and is filled with character, and sweeping valley views from nearly every vantage point. Solidly built for family living, the home features five spacious bedrooms, three bathrooms plus a roughed-in ensuite, and an inviting country atmosphere awaiting your personal design vision. Expansive wrap-around sun decks create the perfect setting for morning coffee, outdoor entertaining, or simply taking in the peaceful pastoral surroundings and elevated outlook. The land itself is equally inspiring, offering a blend of sunny arable areas for gardening or hobby farming alongside a mature forested section suitable for selective harvesting. An established orchard includes more than 18 varieties of fruit and nut trees, some originally planted by the pioneering Lee family prior to the 1900s and still producing today — a rare and living connection to the area’s history. The unfinished 2,000 square foot walk-out basement presents outstanding flexibility for future development, whether envisioned as a workshop, studio, recreation space, guest or future in-law accommodation, or the ultimate indoor play area for active family life year-round. A detached studio with its own covered porch overlooks the pasture and offers further potential for creative endeavors. For outdoor enthusiasts, the property connects directly to Mount Maxwell Provincial Park, where spectacular hiking and panoramic ocean views await just beyond your backyard. A rare offering that combines solid construction, space, useable land and endless potential in one of Salt Spring Island’s most picturesque rural settings. (id:63159)

Values & Trends

This listing

$507/sqft

Building average

No other active listings in this building

Salt Spring average

$763/sqft

81 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

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
Salt Spring ElementaryElementary6.8 km
Phoenix PlaceSecondary6.9 km
Gulf Islands SecondarySecondary7.0 km
Maple Bay ElementaryElementary10.4 km
Bench ElementaryElementary10.6 km
Queen of Angels School(Independent)Elementary/Middle12.8 km
Deep Cove ElementaryElementary12.9 km
Ecole Cobble Hill ElementaryElementary13.0 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: 20.0% ($399,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,599,920.00
Periodic payment — Principal & Interest (monthly)$10,322.14
Additional monthly expenses (strata, tax, utilities, etc.)$890.83
Total monthly cost$11,212.97
Interest paid over 5-yr term$458,541.67
Balance at end of term$1,439,133.21

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$399,980
Stress test qualifying rate8.09%
Payment you must qualify for$12,302.82

Cash Needed at Closing

Minimum down payment$399,980
Estimated BC PTT$37,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$439,478

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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