Property Type: Detached HouseOwnership: Freehold

3089 Cook St

Chemainus, BC V0R1K2

$3,950,000

4 bed4 bath5 parking4,568 sqftBuilt 2016
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Property Details

Property & Lot

Sub-type
House
Lot size
2.5 acres
Zoning
Residential

R1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$16,637.98

Interior

Heating
Natural gas, Other
Cooling / A/C
None
Fireplace
Yes (3)

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
5

Room Dimensions

RoomLevelDimensions
PatioMain level
PatioLower level
PatioLower level
PorchMain level
PorchMain level
PatioLower level
OtherOther
GymOther
StorageOther
BedroomAdditional Accommodation
BathroomAdditional AccommodationX
Living roomAdditional Accommodation
OtherAdditional Accommodation
Utility roomLower level
StorageLower level
OtherLower level
Utility roomLower level
BathroomLower level4-Piece
BedroomLower level
BedroomLower level
Family roomLower level
EnsuiteSecond level5-Piece
Primary BedroomSecond level
OtherSecond level
Laundry roomMain level
KitchenMain level
Dining roomMain level
Living roomMain level
BathroomMain level2-Piece
EntranceMain level

Listing Information

MLS®
1044914
Listed
August 6, 2026
Time on market
On the market for 25 days
Data last synced
August 28, 2026

Listing provided by: Engel & Volkers Vancouver Island · Data source: CREA DDF.

Description

An exceptional waterfront estate set on 2.5 acres with 250 ft of low bank shoreline, easy beach access, a private boathouse, and breathtaking ocean views. Thoughtfully updated, this custom built residence seamlessly blends timeless design with modern comfort. Expansive decks span the length of the home, creating effortless indoor and outdoor living, while the infinity saltwater pool provides the perfect place to relax and take in the ocean views. Inside, engineered hardwood floors, a beautifully updated kitchen, in floor heating, and multiple gas fireplaces create a warm and inviting atmosphere. A private guest retreat above the garage offers additional living space for extended family or visitors. Meticulously maintained grounds feature established garden beds, detached gym and exceptional outdoor living spaces. A rare opportunity to own an extraordinary Vancouver Island waterfront retreat. (id:63159)

Values & Trends

This listing

$865/sqft

Building average

No other active listings in this building

Chemainus average

$524/sqft

29 active listing(s)

Parking: 5 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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

26

5/9 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
Chemainus Elementary Community SchoolElementary349 m
Chemainus SecondaryK-12513 m
Stz'uminus Senior Secondary(Independent)Secondary7.4 km
Thetis Island ElementaryElementary8.2 km
Ladysmith PrimaryElementary9.4 km
Ladysmith SecondarySecondary9.7 km
Ladysmith IntermediateElementary9.8 km
Crofton Elementary Community SchoolElementary10.1 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 (1)

  • Sawmill TapHouse & Grill732 m

Grocery (2)

  • Country Grocer703 m
  • Country Grocer741 m

Parks (5+)

  • Cook Park · 10151 Island View Close191 m
  • Daniel Street Park200 m
  • Vista Grande Stairs235 m
  • Chemainus Skate Park · 2988 Elliott Street538 m
  • Sunset Drive Park733 m

Pharmacies (1)

  • Pharmasave726 m

Banks & ATMs (2)

  • Unnamed723 m
  • IslandSavings739 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Similar Listings Nearby

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Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($790,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$3,160,000.00
Periodic payment — Principal & Interest (monthly)$20,387.25
Additional monthly expenses (strata, tax, utilities, etc.)$1,614.50
Total monthly cost$22,001.75
Interest paid over 5-yr term$905,665.08
Balance at end of term$2,842,430.22

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$790,000
Stress test qualifying rate8.09%
Payment you must qualify for$24,299.29

Cash Needed at Closing

Minimum down payment$790,000
Estimated BC PTT$115,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$907,000

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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