Property Type: TownhouseOwnership: Strata

20 258 Lower Ganges Rd

Salt Spring, BC V8K1S7

$734,900

2 bed2 bath1 parking1,620 sqftBuilt 1989
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Property Details

Property & Lot

Sub-type
Row / Townhouse
Lot size
2,178 square feet
Zoning
Residential

Ownership & Fees

Property type
Townhouse
Ownership
Strata
Strata / maintenance fee
$749/mo
Annual property tax
$2,757

Interior

Heating
Heat Pump, Baseboard heaters, Propane
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Exterior & Lot

View
Ocean view

Parking

Total spaces
1

Restrictions & Policies

Pets
Allowed with restrictions
Age / occupancy
Age restriction applies

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Laundry roomMain level5' x 10'
DenMain level10' x 13'
BedroomMain level10' x 12'
EnsuiteMain level4-Piece
BathroomMain level3-Piece
Primary BedroomMain level14' x 15'
KitchenMain level9' x 10'
Dining roomMain level12' x 11'
PatioMain level
Living roomMain level16' x 14'
EntranceSecond level13' x 12'

Listing Information

MLS®
1030691
Listed
April 9, 2026
Time on market
On the market for 144 days
Data last synced
August 28, 2026

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

Description

This spacious, beautifully updated ocean view 2 BR + den townhome enjoys a premium location within Kingfisher Cove - an upscale address on the edge of Ganges Village. Extensive improvements include wood floors, designer fireplace, Heat Pump, Designer Blinds, LUXURIOUS bath enhancements and a STUNNING entertainer's kitchen! The essentially single level, open plan provides a unique interaction with the outdoors, with a front sun deck providing an excellent ocean view of Ganges Harbour with boats and planes coming and going, very entertaining. Enjoy a morning coffee and watch the beautiful sunrises. There is also a private & quiet back patio with GARDEN off the master suite. A home of casual elegance with a carefree lifestyle in mind, within walking distance to the town of Ganges and all island amenities. it simply must be seen! (id:63159)

Values & Trends

This listing

$454/sqft

Building average

No other active listings in this building

Salt Spring average

$469/sqft

11 active listing(s)

Parking: 1 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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

52

8/9 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
Salt Spring ElementaryElementary379 m
Gulf Islands SecondarySecondary395 m
Phoenix PlaceSecondary467 m
Fernwood ElementaryElementary6.2 km
Crofton Elementary Community SchoolElementary10.4 km
Maple Bay ElementaryElementary12.0 km
Galiano Community SchoolElementary12.7 km
Queen of Angels School(Independent)Elementary/Middle15.0 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.

Nearby Places

Restaurants (5+)

  • Harbour House151 m
  • Seaside Restaurant400 m
  • Fishery and Chips413 m
  • Uptown Pizza · 324 Lower Ganges Road422 m
  • Paco's Tacos · 111 Rainbow Road442 m

Cafes (5+)

  • Unnamed458 m
  • Cafe Talia474 m
  • Switchboard cafe477 m
  • Tree House Cafe567 m
  • T.J. Beans606 m

Grocery (3)

  • SALT JAR refillery · 346 Lower Ganges Road497 m
  • Thrifty Foods · 114 Purvis Lane514 m
  • Country Grocer · 374 Lower Ganges Road665 m

Parks (5+)

  • Peck's Cove Park162 m
  • Kanaka Road Skateboard Park196 m
  • Rotary Park331 m
  • Rainbow Road Recreation Centre650 m
  • Salt Spring Lions Commemorative Bike Park651 m

Shopping (2)

  • Moaut's Seaside Shops600 m
  • Grace Point Square678 m

Gyms (1)

  • Ganges Yoga Studio558 m

Pharmacies (2)

  • Country Grocer Pharmacy · 374 Lower Ganges Road638 m
  • Pharmasave655 m

Banks & ATMs (4)

  • Island Savings571 m
  • BMO620 m
  • CIBC632 m
  • BMO Nesbitt Burns · Fulford-Ganges Road696 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($48,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$587,920.00
Periodic payment — Principal & Interest (monthly)$3,793.06
Additional monthly expenses (strata, tax, utilities, etc.)$1,059.44
Total monthly cost$4,852.50
Interest paid over 5-yr term$168,499.56
Balance at end of term$528,835.94

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$48,490
Stress test qualifying rate8.09%
Payment you must qualify for$5,278.25

Cash Needed at Closing

Minimum down payment$48,490
Estimated BC PTT$12,698
Legal / closing costs (typical estimate)$1,500
Total cash needed$62,688

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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