Property Type: Land / LotOwnership: Freehold

265 Lower Ganges Rd

Salt Spring, BC V8K1S7

$2,900,000

5 bed3 bath4 parkingBuilt 1996
Get Directions

Property Details

Property & Lot

Lot size
17.46 acres
Zoning
Other

A1 & R6

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$5,781.28

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None
Fireplace
None

Exterior & Lot

View
City view, Ocean view

Parking

Total spaces
4 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
BathroomAuxiliary Building10' x 10'
BedroomAuxiliary Building10' x 10'
BedroomAuxiliary Building10' x 10'
BathroomMain level8' x 5'
EnsuiteMain level8' x 5'
BedroomMain level12' x 10'
BedroomMain level12' x 10'
Primary BedroomMain level12' x 12'

Listing Information

MLS®
1044657
Listed
July 30, 2026
Time on market
On the market for 33 days
Data last synced
August 28, 2026

Listing provided by: Sotheby's International Realty Canada · Data source: CREA DDF.

Description

Harbour Farm is one of Ganges' original farms: 17.46 acres held across three separate titles and now offered together for the first time. Rising above Ganges Harbour beside the celebrated Hastings House estate, it offers something Salt Spring can no longer create — a genuine working farm where the village's shops, marina and galleries are still a short stroll away. The land itself tells the story. Sun-washed hayfields and fenced pasture roll up from the village edge, while greenhouses and planting plots anchor the western fields. A pond, mature forest and rocky outcrops frame the rest. From the upper elevations, ocean, harbour and island views open in every direction, with building sites to capture them. At the heart of the offering is the 12.06-acre farm at 151 Upper Ganges Road, with greenhouses and planting plots on its western side. 203 Howell Lane adds 4.63 treed acres with a small cleared section, while 265 Lower Ganges Road contributes 0.77 acres of R6-zoned residential land outside the ALR. This parcel carries the three-bed, two-bath main residence and provides the estate's main access, with a second entrance from Upper Ganges Road. Accommodation extends well beyond the main home. Two bunkhouse cabins are joined by a third housing a four-piece bathroom, while a workshop cabin and a covered outdoor kitchen and laundry keep the property ready for extended family, farm help or agritourism. Services are already in place, including municipal water supplemented by established wells, septic, and farm-class taxes on the main parcel. Holding three separate titles gives a buyer flexibility no single-lot estate can match: occupy, farm, lease or hold, with future options kept open by the non-ALR parcel. Village-adjacent acreages of this scale, with these views, cannot be assembled again on Salt Spring. Come walk the land and you will understand why it is called Harbour Farm. (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

44

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
Gulf Islands SecondarySecondary501 m
Phoenix PlaceSecondary561 m
Salt Spring ElementaryElementary578 m
Fernwood ElementaryElementary6.0 km
Crofton Elementary Community SchoolElementary10.3 km
Maple Bay ElementaryElementary12.0 km
Galiano Community SchoolElementary12.8 km
Queen of Angels School(Independent)Elementary/Middle15.1 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 House149 m
  • Uptown Pizza · 324 Lower Ganges Road311 m
  • Golden Island Restaurant349 m
  • Seaside Restaurant600 m
  • Fishery and Chips612 m

Cafes (4)

  • Unnamed660 m
  • Cafe Talia675 m
  • Switchboard cafe679 m
  • Tree House Cafe763 m

Grocery (3)

  • SALT JAR refillery · 346 Lower Ganges Road379 m
  • Country Grocer · 374 Lower Ganges Road532 m
  • Thrifty Foods · 114 Purvis Lane714 m

Parks (5+)

  • Peck's Cove Park351 m
  • Kanaka Road Skateboard Park378 m
  • Rotary Park526 m
  • Churchill Road Linear Park677 m
  • Rainbow Road Recreation Centre684 m

Shopping (1)

  • Moaut's Seaside Shops794 m

Gyms (1)

  • Ganges Yoga Studio760 m

Pharmacies (1)

  • Country Grocer Pharmacy · 374 Lower Ganges Road508 m

Banks & ATMs (1)

  • Island Savings772 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($580,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$2,320,000.00
Periodic payment — Principal & Interest (monthly)$14,967.85
Additional monthly expenses (strata, tax, utilities, etc.)$481.77
Total monthly cost$15,449.63
Interest paid over 5-yr term$664,918.67
Balance at end of term$2,086,847.50

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$580,000
Stress test qualifying rate8.09%
Payment you must qualify for$17,839.99

Cash Needed at Closing

Minimum down payment$580,000
Estimated BC PTT$65,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$646,500

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.

Request more information