Property Type: Detached HouseOwnership: Freehold

3495 Harwood Rd

Hornby Island, BC V0R1Z0

$2,150,000

3 bed5 bath5 parking2,105 sqftBuilt 1999
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Property Details

Property & Lot

Sub-type
House
Lot size
0.56 acres
Zoning
Residential

R1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,656

Interior

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

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
5

Room Dimensions

RoomLevelDimensions
OfficeOther11'4 x 8'9
Primary BedroomSecond level15'2 x 23'1
DenSecond level9'7 x 14'10
BathroomSecond level8'11
BathroomSecond level6'5 x 6'3
Living roomMain level24'1
Laundry roomMain level7'7 x 8'11
KitchenMain level11'10 x 10'11
Dining roomMain level14'2 x 12'8
BedroomMain level15'1 x 13'3
BedroomMain level15'1 x 14'1
EnsuiteMain level4'11 x 6'10
EnsuiteMain level4'11 x 6'11
BathroomMain level4'8 x 6'4

Listing Information

MLS®
1028642
Listed
March 12, 2026
Time on market
On the market for 172 days
Data last synced
August 28, 2026

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

Description

Walk-on waterfront offering privacy, purpose, and pride of ownership. Set on over half an acre, this thoughtfully designed 2,105 sq ft home blends comfort with quality craftsmanship.The spacious living room, kitchen, and sun-filled dining area showcase unobstructed ocean and mountain views. 3 bedrooms, with 2 on the main each featuring private outdoor access and an ensuite, provide exceptional livability. The upper-level suite includes a jacuzzi, fireplace, sitting area, and an ocean-view balcony. An ample 2-tiered deck invites relaxed outdoor living. Infrastructure includes a deep well, 3 cisterns, maintained septic system, 3 propane tanks, and storage buildings. Recent upgrades include the driveway, fencing, balcony beams, new hot water tanks, and lifetime-warranty sliding doors. Enjoy landscaped gardens, mature fruit trees, and a detached studio. Wake to ocean sunrises, watch moonlight dance across the water & welcome wildlife to your doorstep at this coastal Hornby Island retreat. (id:63159)

Values & Trends

This listing

$1,021/sqft

Building average

No other active listings in this building

Hornby Island average

$742/sqft

14 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: Comox

Mostly Cloudy

16°C

Mostly Cloudy

Humidity 72%

Wind W 4 km/h

Tonight

13°

Tuesday

20°

Tuesday night

16°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Hornby Island ElementaryElementary1.7 km
Denman Island Community SchoolElementary10.9 km
Bowser ElementaryElementary11.6 km
Beachcombers Academy(Independent)Elementary12.6 km
Phil & Jennie Gaglardi Academy(Independent)K-1223.1 km
Royston ElementaryElementary23.1 km
Brooklyn ElementaryElementary23.1 km
Highland SecondarySecondary23.8 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.

School district: Comox Valley (SD71)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($430,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,720,000.00
Periodic payment — Principal & Interest (monthly)$11,096.86
Additional monthly expenses (strata, tax, utilities, etc.)$743.00
Total monthly cost$11,839.86
Interest paid over 5-yr term$492,956.94
Balance at end of term$1,547,145.56

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$430,000
Stress test qualifying rate8.09%
Payment you must qualify for$13,226.20

Cash Needed at Closing

Minimum down payment$430,000
Estimated BC PTT$42,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$474,000

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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