Property Type: TownhouseOwnership: Strata

3 131 McKinstry Rd

Duncan, BC V9L3X7

$569,900

3 bed3 bath2 parking1,610 sqftBuilt 2005
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Property Details

Property & Lot

Sub-type
Row / Townhouse
Zoning
Multi-Family

Ownership & Fees

Property type
Townhouse
Ownership
Strata
Strata / maintenance fee
$405/mo
Annual property tax
$3,843.6

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Parking

Total spaces
2 — covered indicated
Features
Garage

Restrictions & Policies

Pets
Allowed
Age / occupancy
Age restriction applies

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

Room Dimensions

RoomLevelDimensions
BedroomSecond level9'11 x 10'8
OtherSecond level8'3 x 9'3
Living roomMain level12'3 x 15'1
KitchenMain level8'4 x 8'7
Family roomSecond level9'11 x 14'8
EntranceMain level4'11 x 5'8
EnsuiteMain level3-Piece
Dining roomMain level8'9 x 12'3
BedroomSecond level9'5 x 9'11
Primary BedroomMain level12'7 x 11'7
BathroomSecond level4-Piece
BathroomMain level2-Piece

Listing Information

MLS®
1043892
Listed
July 30, 2026
Time on market
On the market for 32 days
Data last synced
August 28, 2026

Listing provided by: Sutton Group-West Coast Realty (Dunc) · Data source: CREA DDF.

Description

Welcome to this beautifully maintained, open-concept rancher-style townhome in a desirable gated 55+ community. Designed for comfortable main-level living, this home offers 3 bedrooms and 3 bathrooms, including a spacious primary suite on the main floor with a walk-through closet and a 3-piece ensuite featuring a walk-in shower. A second bedroom or den on the main level provides flexibility for guests or a home office. The bright and inviting living space features vaulted ceilings, a skylight, and a stunning wood and wrought-iron staircase railing. Entertain with ease in the formal dining room, while the well-appointed kitchen includes a convenient built-in pull-out pantry. Stay comfortable year-round with a ductless heat pump for efficient heating and cooling and enjoy the peace of mind of a gas hot water tank (2021). Upstairs, the versatile loft offers a spacious family room, third bedroom, and full bathroom—ideal for visitors or extended family. Step outside to your private, sunny rear patio, perfect for relaxing or gardening. Additional features include a single-car garage, roofs replacement finished in 2025, and the convenience of one cat or one dog permitted. Ideally located within walking distance of McAdam Park, scenic Cowichan River walking trails, shopping, and everyday amenities, this exceptional home offers the perfect blend of comfort, convenience, and carefree living. (id:63159)

Values & Trends

This listing

$354/sqft

Building average

No other active listings in this building

East Duncan average

$372/sqft

13 active listing(s)

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

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.

Population

5,047

(2021 Census)

+2.1% since 2016

Density: 2,450/km²

Dwellings: 2,620

Median household income: $53,200

After-tax: $49,600

Immigrant population: 11%

Top countries of origin (% of total population)

  • United Kingdom2.8% · 140
  • United States of America1.4% · 70
  • Germany1.1% · 55
  • Netherlands0.9% · 45
  • Philippines0.6% · 30
  • India0.4% · 20
  • Mexico0.3% · 15
  • Hungary0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

44

6/9 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
Des CascadesElementary236 m
Duncan Christian School(Independent)K-12811 m
Quamichan SchoolSecondary1.2 km
Alexander ElementaryElementary1.2 km
Khowhemun ElementaryElementary1.6 km
Queen of Angels School(Independent)Elementary/Middle1.9 km
Cowichan Valley Open Learning Co-OpSecondary2.0 km
Cowichan Open SchoolSecondary2.0 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+)

  • Romeo's Place · 180 Trans-Canada Highway225 m
  • Salty's Fish and Chips238 m
  • White Spot · 101 Trans-Canada Highway305 m
  • The Doghouse317 m
  • Duncan Togo Sushi401 m

Cafes (2)

  • Starbucks481 m
  • Tim Hortons · 166 Trunk Road621 m

Grocery (4)

  • Save-On-Foods · 181 Trans-Canada Highway320 m
  • London Drugs411 m
  • Bulk Barn460 m
  • Real Canadian Superstore · 291 Cowichan Way640 m

Parks (2)

  • Rotary / McAdam Park446 m
  • Boys Road Pullout688 m

Pharmacies (1)

  • Shoppers Drug Mart474 m

Banks & ATMs (3)

  • TD Canada Trust · 351 Trans-Canada Highway395 m
  • RBC · 395 Trunk Road477 m
  • RBC493 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 5.6% ($31,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$455,920.00
Periodic payment — Principal & Interest (monthly)$2,941.44
Additional monthly expenses (strata, tax, utilities, etc.)$806.30
Total monthly cost$3,747.74
Interest paid over 5-yr term$130,667.98
Balance at end of term$410,101.51

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$31,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,136.34

Cash Needed at Closing

Minimum down payment$31,990
Estimated BC PTT$9,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$42,888

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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