Property Type: Detached HouseOwnership: Freehold

3971 Hammond Bay Rd

Nanaimo, BC V9T1G4

$899,900

5 bed4 bath6 parking2,534 sqftBuilt 1974
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Property Details

Property & Lot

Sub-type
House
Lot size
12,150 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,826

Interior

Heating
Heat Pump
Cooling / A/C
Fully air conditioned
Fireplace
Yes (2)

Exterior & Lot

View
Mountain view, Ocean view

Parking

Total spaces
6

Room Dimensions

RoomLevelDimensions
Laundry roomLower level5'4 x 6'0
BathroomLower level6'9 x 7'2
BedroomLower level10'7 x 16'0
BedroomLower level11'4 x 14'0
Living roomLower level15'0 x 13'0
KitchenLower level15'0 x 5'0
BathroomLower level10'6 x 7'0
Laundry roomLower level3'4 x 5'2
Recreation roomLower level14'9 x 12'3
EnsuiteMain level2-Piece
KitchenMain level16'2 x 9'6
Dining roomMain level9'5 x 10'9
BathroomMain level7'3 x 11'4
BedroomMain level11'4 x 11'4
BedroomMain level9'9 x 12'1
Primary BedroomMain level11'2 x 13'7
Living roomMain level14'7 x 19'1

Listing Information

MLS®
1040037
Listed
June 10, 2026
Time on market
On the market for 82 days
Data last synced
August 28, 2026

Listing provided by: Sutton Group West Coast Realty · Data source: CREA DDF.

Description

Exceptional value in Hammond Bay — this is an opportunity to own an ocean view home on a private quarter-acre lot in one of Nanaimo's most naturally connected coastal neighbourhoods, priced to attract immediate interest. The location defines the lifestyle here. Piper's Lagoon and Neck Point Park are both within walking distance — two of the city's most beloved natural spaces, offering seawall walks, forest trails, and open water access on any given morning. Hammond Bay Elementary is a short walk for families with younger children. A major transit route nearby keeps the broader city accessible when you need it. North Nanaimo's full range of shopping, dining, and everyday services is just a few minutes by car, keeping the practical side of daily life well within reach without sacrificing the quiet that this part of the city is known for. The home sits elevated above the bay at Morningside Park, capturing ocean views from a spacious deck that extends naturally from the dining nook — an easy, seamless transition between inside and out that makes the water view part of daily living rather than something reserved for weekends. Large windows draw natural light deep into the main living areas, keeping the interior bright and open throughout the day. A wood-burning fireplace anchors the living room with warmth and character through the cooler months. The layout is comfortable and well-considered. A self-contained suite provides flexibility for extended family, guests, or supplementary rental income without compromising the flow of the main home. The lower portion of the quarter-acre lot offers a level parking area with dedicated space for an RV, boat, or utility trailer — practical capacity that coastal lots of this size rarely provide. Tasteful updates throughout mean the home is ready to live in from day one. The setting, the views, and the walkability to two of Nanaimo's finest parks make this a rare offering at this price in Hammond Bay. (id:63159)

Values & Trends

This listing

$355/sqft

Building average

No other active listings in this building

Hammond Bay average

$450/sqft

27 active listing(s)

Parking: 6 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

Partly Cloudy

13°C

Partly Cloudy

Humidity 89%

Wind WSW 6 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

99,863

(2021 Census)

+10.3% since 2016

Density: 1,104.1/km²

Dwellings: 45,138

Median household income: $75,500

After-tax: $68,500

Immigrant population: 16.1%

Top countries of origin (% of total population)

  • United Kingdom3.5% · 3,495
  • China1.3% · 1,285
  • United States of America1.2% · 1,155
  • India1.1% · 1,075
  • Philippines1% · 1,040
  • Germany0.6% · 635
  • Korea, South0.5% · 470
  • Viet Nam0.5% · 455

Source: Statistics Canada, 2021 Census of Population.

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
Hammond Bay ElementaryElementary313 m
Frank J. Ney ElementaryElementary1.8 km
Departure Bay ElementaryElementary2.5 km
Rock City ElementaryElementary2.9 km
Wellington SecondarySecondary3.3 km
Uplands Park ElementaryElementary3.5 km
Cilaire ElementaryElementary4.0 km
Rutherford ElementaryElementary4.1 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 (5+)

  • Morningside Park250 m
  • Eagle View Park · 3949 Gulfview Drive427 m
  • Glen Oaks Park 5 · 3853 Glen Oaks Drive580 m
  • Neck Point Park · 1055 Morningside Drive594 m
  • Glen Oaks Park 4 · 3825 Glen Oaks Drive646 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (strata, tax, utilities, etc.)$612.50
Total monthly cost$5,257.18
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,420.17

Cash Needed at Closing

Minimum down payment$64,990
Estimated BC PTT$15,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,488

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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