Property Type: Detached HouseOwnership: Freehold

3803 CUTLASS COURT

Pender Island, BC V0N2M2

$799,000

2 bed1 bath2 parking770 sqftBuilt 1985
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Property Details

Property & Lot

Sub-type
House
Lot size
103 acres
Frontage
136.5 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,172.31 (2026)

Interior

Basement
Unfinished, Crawl space, Unknown
Heating
Electric, Pellet
Fireplace
Yes (1)

Exterior & Lot

View
View
Waterfront
Waterfront

Parking

Total spaces
2

Listing Information

MLS®
R3157382
Listed
August 19, 2026
Time on market
On the market for 12 days
Tax assessment year
2026
Data last synced
August 28, 2026

Listing provided by: Coastal Life Realty Ltd. · Data source: CREA DDF.

Description

Experience year-round tranquility in this south-facing high-bank oceanfront retreat, where humpbacks, areas and eagles pass by. Tucked away from the road, beside a seasonal stream, this private West Coast cottage offers 2 bedrooms, 1 bathroom and a loft with a captain's ladder perfect for kids and adventurous guests. The open concept kitchen, dining and living area features vaulted wood ceilings and a wall of windows framing expansive ocean views. Step onto the deck to enjoy morning coffee, sunsets and nature all around you. The private parking area leads you to stairs down to the cottage, enhancing the peaceful sense of escape. Connected to Magic Lake Estates water and sewer. The perfect island getaway or full-time coastal sanctuary. (id:63159)

Values & Trends

This listing

$1,038/sqft

Building average

No other active listings in this building

Pender Island average

$790/sqft

36 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

Nearest station: Gulf Islands (Southern)

16°C

Humidity 73%

Wind WSW 2 km/h

Tonight

13°

Tuesday

19°

Tuesday night

14°

Wednesday

17°

Wednesday night

12°

Thursday

17°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

7

1/9 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
Pender Islands Elem-SecondaryElementary/Middle1.8 km
Saturna Island Elementary SecondaryK-129.4 km
Mayne Island SchoolElementary9.7 km
Parkland SecondarySecondary13.9 km
North Saanich Middle SchoolMiddle14.1 km
Galiano Community SchoolElementary14.2 km
Sidney ElementaryElementary14.7 km
Deep Cove ElementaryElementary15.1 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

Parks (4)

  • Unnamed439 m
  • Unnamed488 m
  • Capstan Lane Park623 m
  • Danny Martin Ball Park641 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 6.9% ($54,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$639,200.00
Periodic payment — Principal & Interest (monthly)$4,123.90
Additional monthly expenses (strata, tax, utilities, etc.)$470.03
Total monthly cost$4,593.93
Interest paid over 5-yr term$183,196.56
Balance at end of term$574,962.47

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$54,900
Stress test qualifying rate8.09%
Payment you must qualify for$5,721.87

Cash Needed at Closing

Minimum down payment$54,900
Estimated BC PTT$13,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$70,380

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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