Property Type: Detached HouseOwnership: Freehold

276 Winter Harbour Rd

Winter Harbour, BC V0N3L0

$595,000

3 bed3 bath1 parking2,744 sqftBuilt 2008
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Property Details

Property & Lot

Sub-type
House
Lot size
3,485 square feet
Zoning
Rural residential

A1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,246

Interior

Heating
Baseboard heaters, Wood
Cooling / A/C
None
Fireplace
Yes (3)

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
1 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
StorageThird level5'4 x 6'3
Primary BedroomThird level38'9 x 20'2
EnsuiteThird level16'7 x 4'11
StorageSecond level7'10 x 4'8
StorageSecond level13'9 x 8'6
OfficeSecond level12'8 x 11'4
Laundry roomSecond level5'10 x 10'11
EntranceSecond level9'5 x 12'3
DenSecond level12'4 x 11'6
BedroomSecond level15'5 x 16'3
BedroomSecond level14'7
EnsuiteSecond level3'11 x 9'2
Living roomMain level13'7 x 12'3
KitchenMain level14'11 x 11'3
Dining roomMain level9'7 x 12'3
BathroomMain level8'2 x 7'7

Listing Information

MLS®
1032273
Listed
April 15, 2026
Time on market
On the market for 138 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Advance Realty · Data source: CREA DDF.

Description

Overlooking the ocean, this multi-level beach house offers west coast comfort and ambience. Constructed in a funky cottage layout, the home has been renovated over the last seven years and offers all the modern comforts. The roadside entrance leads into a foyer that opens to a central hallway with two large bedrooms, one on either side, and storage space and laundry in the centre. A few steps up from the hallway is a loft-style space with a den and adjoining office. Both bedrooms have ocean views, one features a large electric wall fireplace as well as access to a private balcony, while the other bedroom has a 2 piece ensuite and large closet. A staircase leads from the loft space down to the main level of the home, which features the common living space, including dining area, living room and kitchen. This open space is the heart of the home – designed to invite you in with large windows overlooking the oceanfront providing lots of natural light, and a glass door out to the spacious oceanside deck. A wood stove in the living room adds warmth and ambiance to the space. The gourmet kitchen has been tastefully designed with full-height cabinets, butcher block countertops, stainless steel appliances and attractive tiled wall behind the sink and oven. A 3 piece bathroom with a corner shower is also on this main level. Upstairs is an amazing primary suite with a private seating area in front of picture windows looking out over the ocean, and a sleeping area. An attractive stone fireplace is in the middle of the room. Barn doors lead to a closet and a large ensuite, complete with walk-in shower and double sink vanities. The seller is offering the home completely furnished. The small oceanfront lot, like many others in Winter Harbour, sits on the edge of the boardwalk that runs along the harbour to the government dock. Winter Harbour is located just up from the entrance to Quatsino Sound. It offers a protected harbour and gravel road access from Hwy 19. (id:63159)

Values & Trends

This listing

$217/sqft

Building average

No other active listings in this building

Port Hardy average

$278/sqft

5 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: Port Hardy

Mainly Clear

11°C

Mainly Clear

Humidity 99%

Wind SW 6 km/h

Tonight

10°

Tuesday

17°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Vancouver Island North (SD85)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.8% ($34,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$476,000.00
Periodic payment — Principal & Interest (monthly)$3,070.99
Additional monthly expenses (strata, tax, utilities, etc.)$324.17
Total monthly cost$3,395.16
Interest paid over 5-yr term$136,422.97
Balance at end of term$428,163.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,500
Stress test qualifying rate8.09%
Payment you must qualify for$4,310.05

Cash Needed at Closing

Minimum down payment$34,500
Estimated BC PTT$9,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$45,900

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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