Property Type: DuplexOwnership: Strata

213 MacDonald Rd

Lake Cowichan, BC V0R2G0

$749,900

3 bed3 bath3 parking1,940 sqftBuilt 2024
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Property Details

Property & Lot

Sub-type
Duplex
Lot size
581 square feet
Zoning
Residential

R-3

Ownership & Fees

Property type
Duplex
Ownership
Strata
Strata / maintenance fee
$0/mo
Annual property tax
$5,719.3

Interior

Heating
Heat Pump, Baseboard heaters, Electric
Cooling / A/C
Air Conditioned
Fireplace
None

Parking

Total spaces
3

Restrictions & Policies

Pets
Allowed with restrictions

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

Room Dimensions

RoomLevelDimensions
BathroomLower level3-Piece
BedroomLower level10'1 x 10'11
KitchenLower level9'10 x 9'7
Living roomLower level15'8 x 16'2
EntranceLower level
BathroomMain level4-Piece
BedroomMain level13'9 x 10'10
EnsuiteMain level4-Piece
Primary BedroomMain level12'2 x 11'1
KitchenMain level16'1 x 13'8
Living roomMain level
Dining roomMain level10'5 x 13'8
Laundry roomLower level3'7 x 5'6
DenLower level
EntranceLower level10'1 x 4'1

Listing Information

MLS®
1046243
Listed
August 6, 2026
Time on market
On the market for 25 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Island Properties (DU) · Data source: CREA DDF.

Description

Welcome to this 2024-built half duplex with legal suite in Lake Cowichan. The main home offers 2 bedrooms, 2 bathrooms, and a versatile den, ideal for families, professionals, or those working from home. The lower level of the main home features a large entry, den, laundry, coat closet, and access to the single-car garage. Upstairs, enjoy open-concept living with a stylish kitchen featuring quartz countertops, a large island, and access to the back deck. The primary bedroom includes an ensuite, while a second bedroom and 4-piece main bath complete the level. The self-contained 1-bedroom, 1-bathroom legal suite has a private entrance, open-concept living, quartz countertops, in-suite laundry, a 3-piece bath, and patio access. Additional features include Hybrid ''lifeproof'' Engineered Wood Resilient Waterproof flooring, heat pumps, garage, and driveway parking for multiple vehicles. Conveniently located within walking distance to town and with easy access to the Cowichan Valley Trail. (id:63159)

Values & Trends

This listing

$387/sqft

Building average

No other active listings in this building

Lake Cowichan average

$349/sqft

3 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

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.

Population

3,325

(2021 Census)

+3.1% since 2016

Density: 403.5/km²

Dwellings: 1,586

Median household income: $68,000

After-tax: $62,400

Immigrant population: 7.7%

Top countries of origin (% of total population)

  • United Kingdom3.2% · 105
  • United States of America0.9% · 30
  • Germany0.6% · 20
  • South Africa, Republic of0.5% · 15
  • India0.5% · 15
  • Poland0.3% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

19

4/9 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
Palsson ElementaryElementary442 m
Lake Cowichan SecondaryElementary1.4 km
Lake Cowichan ElementaryElementary1.4 km
Tansor ElementaryElementary22.1 km
Ecole Mount Prevost ElementaryElementary23.4 km
Ladysmith SecondarySecondary23.8 km
Ladysmith PrimaryElementary23.9 km
Drinkwater ElementaryElementary24.0 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 (2)

  • Lakeside Sushi · 78 Cowichan Lake Road633 m
  • Shaker Mill · 72 Cowichan Lake Road647 m

Cafes (2)

  • Tim Hortons650 m
  • River Cafe · 56 South Shore Road737 m

Grocery (1)

  • Country Grocer · 83 Cowichan Lake Road539 m

Parks (5+)

  • Unnamed438 m
  • Greendale Park444 m
  • Unnamed446 m
  • Winter Park591 m
  • Central Park752 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.7% ($49,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$599,920.00
Periodic payment — Principal & Interest (monthly)$3,870.48
Additional monthly expenses (strata, tax, utilities, etc.)$573.61
Total monthly cost$4,444.09
Interest paid over 5-yr term$171,938.80
Balance at end of term$539,629.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$49,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,382.06

Cash Needed at Closing

Minimum down payment$49,990
Estimated BC PTT$12,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$64,488

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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