Property Type: Detached HouseOwnership: Freehold

276 Tal Rd

Lake Cowichan, BC V0R2G0

$899,000

4 bed3 bath4 parking2,215 sqftBuilt 2025
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Property Details

Property & Lot

Sub-type
House
Lot size
12,283 square feet
Zoning
Residential

R-2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,790

Interior

Heating
Forced air
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Exterior & Lot

View
Lake view, Mountain view

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
EnsuiteSecond level4-Piece
EnsuiteSecond level5-Piece
BedroomSecond level11'4 x 16'5
Primary BedroomSecond level13'6 x 18'0
BathroomMain level4-Piece
Living roomMain level19'0 x 15'0
EntranceMain level10'0 x 7'6
KitchenMain level15'6 x 9'11
Dining roomMain level13'1 x 11'3
BedroomMain level11'0 x 11'7
BedroomMain level9'10 x 10'5
Laundry roomMain level13'6 x 7'0

Listing Information

MLS®
1041272
Listed
June 25, 2026
Time on market
On the market for 67 days
Data last synced
August 28, 2026

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

Description

Brand new and move in ready, this beautifully crafted 4 bedroom, 3 bathroom residence offers an exceptional opportunity to enjoy modern living in one of Lake Cowichan’s most desirable neighbourhoods. Situated on a generous 0.28 acre lot, the property captures picturesque lake views from the front while backing onto protected green space, creating a rare combination of natural beauty, privacy, and tranquility. Thoughtfully designed with both functionality and style in mind, the home features a bright, open concept floor plan filled with natural light. The spacious main living area seamlessly connects the kitchen, dining, and living spaces, creating an inviting atmosphere for everyday living and effortless entertaining. Quality finishes and contemporary design elements enhance the home's appeal, while large windows frame the surrounding scenery and bring the outdoors in. The flexible layout offers four well appointed bedrooms and three full bathrooms, making it ideal for families, retirees, or those seeking space for guests. A standout feature is the upper level, where two bedrooms each enjoy their own private ensuite bathroom, providing comfort and independence for family members, visitors, or multi generational living arrangements. Outside, the fully fenced backyard offers a safe and private space for children and pets to play while backing directly onto protected green space. Whether enjoying a quiet morning coffee, hosting summer gatherings, or simply taking in the peaceful surroundings, the outdoor setting provides a true sense of retreat. A spacious garage and ample driveway parking accommodate multiple vehicles, recreational equipment, and a boat, making it easy to take full advantage of Lake Cowichan’s renowned outdoor lifestyle. With nearby access to hiking and biking trails, parks, beaches, and the lake itself, adventure is always close at hand. Reach out for private showing. (id:63159)

Values & Trends

This listing

$406/sqft

Building average

No other active listings in this building

Lake Cowichan average

$495/sqft

34 active listing(s)

Parking: 4 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

11

1/9 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
Lake Cowichan ElementaryElementary949 m
Lake Cowichan SecondaryElementary949 m
Palsson ElementaryElementary1.8 km
Tansor ElementaryElementary23.2 km
Ecole Mount Prevost ElementaryElementary24.5 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

Parks (5+)

  • TAL Development46 m
  • TAL Development107 m
  • TAL Development216 m
  • Point Ideal Park · 435 Point Ideal Drive233 m
  • TAL Development Rezoning258 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,200.00
Periodic payment — Principal & Interest (monthly)$4,640.03
Additional monthly expenses (strata, tax, utilities, etc.)$343.50
Total monthly cost$4,983.53
Interest paid over 5-yr term$206,124.79
Balance at end of term$646,922.73

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,413.94

Cash Needed at Closing

Minimum down payment$64,900
Estimated BC PTT$15,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,380

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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