Property Type: TownhouseOwnership: Strata

3 111 Fulford-Ganges Rd

Salt Spring, BC V8K2R9

$1,295,000

3 bed3 bath2 parking1,852 sqftBuilt 1988
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Property Details

Property & Lot

Sub-type
Row / Townhouse
Lot size
1,787 square feet
Zoning
Residential

Ownership & Fees

Property type
Townhouse
Ownership
Strata
Strata / maintenance fee
$762/mo
Annual property tax
$7,244

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

View
Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
2

Restrictions & Policies

Pets
Allowed

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

Room Dimensions

RoomLevelDimensions
PorchMain level
SunroomSecond level
EnsuiteSecond level
BedroomSecond level
BedroomSecond level
Laundry roomMain level8' x 7'
BathroomSecond level
BathroomMain level
Primary BedroomSecond level
KitchenMain level
Dining roomMain level
Living roomMain level
EntranceMain level

Listing Information

MLS®
1042615
Listed
August 22, 2026
Time on market
On the market for 10 days
Data last synced
August 28, 2026

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

Description

Experience the best of village living in this well-maintained townhouse, perfectly situated on the coveted Grace Point peninsula in the heart of Ganges. Just steps from shops, restaurants and everyday amenities, this comfortable 1,800 sq. ft. residence offers the ultimate walkable lifestyle without compromising on peace and privacy. The bright, spacious two-storey design features three bedrooms, three bathrooms and sun-filled living spaces that open onto a south-facing deck with picturesque harbour views, perfect for relaxing or entertaining. The third bedroom features built-in shelving and desk, making it the perfect dedicated home office or guest space. A single-car garage adds everyday convenience. Beautifully landscaped strata grounds showcase lush semi-tropical gardens, a private beach and dock for residents to enjoy. For boating enthusiasts, a protected marina with low-cost moorage available through the strata lets you keep your boat just steps from home. This is a rare opportunity to enjoy an exceptional waterfront lifestyle where everything you need is just a short stroll away! (id:63159)

Values & Trends

This listing

$699/sqft

Building average

No other active listings in this building

Grace Point average

No comparable active listings

Parking: 2 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

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

70

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
Salt Spring ElementaryElementary518 m
Gulf Islands SecondarySecondary882 m
Phoenix PlaceSecondary936 m
Fernwood ElementaryElementary6.9 km
Crofton Elementary Community SchoolElementary10.9 km
Maple Bay ElementaryElementary12.1 km
Galiano Community SchoolElementary12.4 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+)

  • BurgerBar537201 m
  • Saltspring Wok Bar222 m
  • Arigato Sushi228 m
  • Del Vecchio Pasta - Pasta Fresca232 m
  • Buzzy's Luncheonette238 m

Cafes (5+)

  • Heart & Bone Provisions217 m
  • Tree House Cafe218 m
  • T.J. Beans272 m
  • BEACHSiDE Cafe · 163 Fulford-Ganges Road299 m
  • Salt Spring Coffee315 m

Grocery (1)

  • Thrifty Foods · 114 Purvis Lane294 m

Parks (5+)

  • Centennial Park183 m
  • Heiwa Peace Park426 m
  • Rotary Park450 m
  • Salt Spring Lions Commemorative Bike Park603 m
  • Peck's Cove Park623 m

Shopping (2)

  • Grace Point Square121 m
  • Moaut's Seaside Shops184 m

Gyms (1)

  • Ganges Yoga Studio294 m

Pharmacies (1)

  • Pharmasave245 m

Banks & ATMs (4)

  • BMO185 m
  • CIBC200 m
  • BMO Nesbitt Burns · Fulford-Ganges Road284 m
  • Island Savings367 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: 8.1% ($104,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,036,000.00
Periodic payment — Principal & Interest (monthly)$6,683.92
Additional monthly expenses (strata, tax, utilities, etc.)$1,458.67
Total monthly cost$8,142.59
Interest paid over 5-yr term$296,920.58
Balance at end of term$931,885.35

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$104,500
Stress test qualifying rate8.09%
Payment you must qualify for$9,154.53

Cash Needed at Closing

Minimum down payment$104,500
Estimated BC PTT$23,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$129,900

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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