Property Type: Detached HouseOwnership: Freehold

3781 Phillips Rd

Sooke, BC V9Z0Y3

$899,000

3 bed4 bath4 parking2,207 sqftBuilt 1973
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Property Details

Property & Lot

Sub-type
House
Lot size
16,553 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,025.65

Interior

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

Exterior & Lot

View
River view, View
Waterfront
Waterfront on river

Parking

Total spaces
4 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
PatioMain level11'1 x 14'4
BathroomOther3-Piece
BathroomMain level4-Piece
BathroomSecond level2-Piece
EnsuiteSecond level4-Piece
BedroomSecond level11'2 x 11'8
BedroomSecond level7'3 x 11'11
Primary BedroomSecond level11'2 x 15'11
StorageLower level18'9 x 13'2
StorageMain level7'3 x 8'0
StudioMain level22'3 x 19'3
Living roomMain level12'2 x 23'5
Laundry roomMain level5'5 x 8'4
Dining roomMain level11'1 x 11'2
KitchenMain level7'5 x 17'8
Family roomMain level8'2 x 17'5

Listing Information

MLS®
1030203
Listed
March 31, 2026
Time on market
On the market for 153 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Camosun · Data source: CREA DDF.

Description

Truly a magical location! Riverfront sanctuary steps from the Sooke Potholes! This peaceful A-frame home offers 3 beds, 4 baths & a private setting on Sooke River. Updates include granite countertops in the kitchen, newer roofs, a large sunny deck, reinforced retaining wall at the rivers edge & beautifully landscaped grounds with a newer septic field. BONUS: a 482 sq ft detached studio; full bathroom & plumbing in place for a potential suite, ideal for extended family, guests, a creative retreat or potential income - use your imagination. Zoning allows vacation rentals, B&Bs, secondary suites & home-based businesses. You have your own private riverfront deck with steps down the riverbank. You can dip you feet, watch the salmon run, listen to birdsong & unwind beneath the stars. Your Westcoast lifestyle tucked in nature’s playground, just minutes to trails, beaches & all that Sooke has to offer. This magnificent property must be seen to be appreciated - prepare to fall in love! (id:63159)

Values & Trends

This listing

$407/sqft

Building average

No other active listings in this building

Phillips North average

No comparable active listings

Parking: 4 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: Malahat

Mainly Clear

16°C

Mainly Clear

Humidity 73%

Wind S 6 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

15,086

(2021 Census)

+16% since 2016

Density: 266.5/km²

Dwellings: 6,431

Median household income: $90,000

After-tax: $79,500

Immigrant population: 11.7%

Top countries of origin (% of total population)

  • United Kingdom4.1% · 620
  • United States of America1.5% · 230
  • Germany0.8% · 120
  • Philippines0.7% · 110
  • Netherlands0.5% · 80
  • China0.2% · 35
  • Poland0.2% · 30
  • Mexico0.2% · 25

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Ecole Poirier ElementaryElementary3.9 km
Journey Middle SchoolMiddle4.3 km
Edward Milne Community SchoolSecondary4.4 km
Saseenos ElementaryElementary4.7 km
Sooke ElementaryElementary5.1 km
John Muir ElementaryElementary6.7 km
Willway ElementaryElementary12.7 km
Lighthouse Christian Academy(Independent)K-1213.5 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.

School district: Sooke (SD62)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,200.00
Periodic payment — Principal & Interest (monthly)$4,640.03
Additional monthly expenses (strata, tax, utilities, etc.)$362.14
Total monthly cost$5,002.17
Interest paid over 5-yr term$206,124.79
Balance at end of term$646,922.73

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,413.94

Cash Needed at Closing

Minimum down payment$64,900
Estimated BC PTT$15,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,380

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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