Property Type: Detached HouseOwnership: Freehold

3845 Shingle Spit Rd

Hornby Island, BC V0R1Z0

$825,000

2 bed1 bath1 parking636 sqftBuilt 1972
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Property Details

Property & Lot

Sub-type
House
Lot size
15,246 square feet
Zoning
Residential

R1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,613.1

Interior

Heating
Electric, Wood
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
1 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
BathroomMain level3-Piece
BedroomMain level7'11 x 10'5
BedroomMain level9'0 x 11'8
Living roomMain level10'6 x 12'0
KitchenMain level8'1 x 8'9
Dining roomMain level10'6 x 12'8
EntranceMain level3'10 x 5'11

Listing Information

MLS®
1039644
Listed
June 6, 2026
Time on market
On the market for 86 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage-Comox Valley (CV) · Data source: CREA DDF.

Description

Set above the waters of Lambert Channel, this charming oceanfront cottage offers breathtaking sunsets, abundant wildlife, and the magical evening light that fills the west-facing shoreline. Thoughtfully updated with a refreshed kitchen and bathroom, new paint and flooring, and a new roof, the home is move-in ready and fully furnished. The two-bedroom layout features a bright, open living space designed for easy coastal living. Spend your evenings on the expansive 355 sq ft deck, then follow the path to the beach below to explore the shoreline, gather oysters and clams, or simply enjoy the peaceful waterfront setting. Surrounded by the sights and sounds of the coast, it offers a peaceful setting to relax, recharge, and enjoy island life at a slower pace. With a drilled well and septic system already in place, this west-facing waterfront retreat is ready to be enjoyed from day one. (id:63159)

Values & Trends

This listing

$1,297/sqft

Building average

No other active listings in this building

Hornby Island average

$722/sqft

14 active listing(s)

Parking: 1 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

15°C

Mostly Cloudy

Humidity 82%

Wind WNW 5 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 ElementaryElementary3.4 km
Bowser ElementaryElementary7.9 km
Denman Island Community SchoolElementary8.4 km
Beachcombers Academy(Independent)Elementary9.1 km
Royston ElementaryElementary22.7 km
Phil & Jennie Gaglardi Academy(Independent)K-1223.6 km
Brooklyn ElementaryElementary23.9 km
Ecole Robb RoadElementary24.4 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)

Mortgage & Ownership Cost Calculator

Minimum required: 7.0% ($57,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$660,000.00
Periodic payment — Principal & Interest (monthly)$4,258.10
Additional monthly expenses (strata, tax, utilities, etc.)$416.43
Total monthly cost$4,674.52
Interest paid over 5-yr term$189,157.90
Balance at end of term$593,672.13

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$57,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,901.81

Cash Needed at Closing

Minimum down payment$57,500
Estimated BC PTT$14,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$73,500

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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