Property Type: Detached HouseOwnership: Freehold

3381 Cowichan Lake Rd

Duncan, BC V9L4C5

$609,000

3 bed2 bath8 parking1,447 sqft
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Property Details

Property & Lot

Sub-type
House
Lot size
13,939 square feet
Zoning
Residential

R3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$3,840.38

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None
Fireplace
Yes (2)

Exterior & Lot

View
Mountain view
Pool
Outdoor pool

Parking

Total spaces
8

Room Dimensions

RoomLevelDimensions
Primary BedroomMain level10'0 x 14'5
Living roomMain level12'10 x 23'0
KitchenMain level10'0 x 18'4
Family roomMain level12'1 x 17'4
Dining roomMain level8'7 x 10'6
BedroomMain level9'6 x 10'0
BedroomMain level8'7 x 11'0
BathroomMain level4-Piece
BathroomMain level2-Piece

Listing Information

MLS®
1043464
Listed
July 16, 2026
Time on market
On the market for 46 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty (NA) · Data source: CREA DDF.

Description

Welcome to 3381 Cowichan Lake Road, set on a flat 0.32-acre corner lot in West Duncan. This rancher offers 1,447 sq ft, 3 bedrooms and 2 bathrooms. The level yard features mature fruit trees, rose bushes, a large deck, and a detached garage. Close to schools and parks, with an easy drive to downtown Duncan. Measurements approximate; buyer to verify. R3 zoning on this property allows a multitude of uses. Please enquire with the District of North Cowichan for further information. (id:63159)

Values & Trends

This listing

$421/sqft

Building average

No other active listings in this building

West Duncan average

$498/sqft

48 active listing(s)

Parking: 8 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

33

4/9 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
Ecole Mount Prevost ElementaryElementary576 m
Tansor ElementaryElementary939 m
Drinkwater ElementaryElementary1.2 km
Queen Margaret's(Independent)K-121.7 km
Cowichan Valley Open Learning Co-OpSecondary1.9 km
Cowichan Open SchoolSecondary1.9 km
Khowhemun ElementaryElementary2.3 km
Quamichan SchoolSecondary3.5 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

Cafes (2)

  • Tim Hortons · 3320 Cowichan Lake Road288 m
  • Sundays Coffee and Provisions · 6114 Somenos Road323 m

Grocery (1)

  • Country Grocer · 3288 Cowichan Lake Road324 m

Parks (5+)

  • Marsh Road Park171 m
  • Sherman Road Soccer Park535 m
  • Rockridge Park629 m
  • Hawkes Park · 3335 Hawkes Boulevard712 m
  • Evans Park781 m

Pharmacies (1)

  • The Medicine Shoppe · 3292 Cowichan Lake Road276 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 5.9% ($35,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$487,200.00
Periodic payment — Principal & Interest (monthly)$3,143.25
Additional monthly expenses (strata, tax, utilities, etc.)$392.03
Total monthly cost$3,535.28
Interest paid over 5-yr term$139,632.92
Balance at end of term$438,237.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$35,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,406.94

Cash Needed at Closing

Minimum down payment$35,900
Estimated BC PTT$10,180
Legal / closing costs (typical estimate)$1,500
Total cash needed$47,580

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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