Property Type: Land / LotOwnership: Freehold

215 Long Harbour Rd

Salt Spring, BC V8K2K9

$449,000

0 bed0 bath
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Property Details

Property & Lot

Lot size
2.64 acres
Zoning
Residential

R7

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$2,046

Interior

Fireplace
None

Listing Information

MLS®
1043600
Listed
July 24, 2026
Time on market
On the market for 39 days
Data last synced
August 28, 2026

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

Description

This one is easy! Septic (3-bedroom), power, and water are already in place, with cleared areas and a driveway ready to go. An RV hook-up and a sea can are already on-site. The property is within the secondary suites map and hooked up to Mt. Maxwell water, which is currently allowing secondary hook-ups — so a house with a secondary suite is possible. Up to 750 sq ft of accessory buildings allowed. Private, lush, sunny and gently terraced, this 2.64-acre property features a picturesque creek border and close to walking trails into town. Come see why the current owners call it Fern Gulley. (id:63159)

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

15

2/9 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 ElementaryElementary1.2 km
Gulf Islands SecondarySecondary1.3 km
Phoenix PlaceSecondary1.4 km
Fernwood ElementaryElementary5.9 km
Crofton Elementary Community SchoolElementary11.0 km
Galiano Community SchoolElementary12.0 km
Maple Bay ElementaryElementary12.9 km
Mayne Island SchoolElementary15.6 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 (2)

  • Dos Amores614 m
  • Harbour House774 m

Parks (1)

  • Churchill Road Linear Park177 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($22,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$359,200.00
Periodic payment — Principal & Interest (monthly)$2,317.44
Additional monthly expenses (strata, tax, utilities, etc.)$170.50
Total monthly cost$2,487.94
Interest paid over 5-yr term$102,947.75
Balance at end of term$323,101.56

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$22,450
Stress test qualifying rate8.09%
Payment you must qualify for$3,280.02

Cash Needed at Closing

Minimum down payment$22,450
Estimated BC PTT$6,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,930

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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