Property Type: Detached HouseOwnership: Freehold

41 Somenos St

Lake Cowichan, BC V0R2G0

$919,900

3 bed2 bath4 parking2,775 sqftBuilt 1976
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Property Details

Property & Lot

Sub-type
House
Lot size
15,600 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,387.61

Interior

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

Exterior & Lot

View
River view, View
Waterfront
Waterfront on river

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
StorageLower level13'3 x 9'8
StorageLower level11'3 x 9'9
BathroomLower level3-Piece
Laundry roomLower level4'7 x 1'7
KitchenLower level13'9 x 12'6
BedroomLower level11'0 x 11'11
Family roomLower level19'10 x 14'11
EntranceMain level12'4 x 21'7
Laundry roomMain level9'5 x 7'0
BedroomMain level13'10 x 9'10
BathroomMain level4-Piece
Primary BedroomMain level14'4 x 12'6
Living roomMain level20'6 x 15'3
Dining roomMain level11'5 x 12'2
KitchenMain level11'10 x 11'5

Listing Information

MLS®
1033797
Listed
May 7, 2026
Time on market
On the market for 116 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes Ltd. (Lk Cow) · Data source: CREA DDF.

Description

First time on the market, this lovingly maintained riverfront home offers a rare opportunity to enjoy peaceful waterfront living. With 3 bedrooms and 2 bathrooms, the home features a bright upper level with vaulted ceilings, a spacious kitchen, and a cozy wood-burning fireplace, all framed by calming river views. The lower level adds flexibility with a second kitchen, additional laundry, and plenty of storage. Step outside to a beautifully landscaped yard with private steps leading down to the river where a natural pool creates the perfect spot for swimming and relaxing. Complete with RV parking and a carport. (id:63159)

Values & Trends

This listing

$331/sqft

Building average

No other active listings in this building

Lake Cowichan average

$497/sqft

34 active listing(s)

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: Duncan

14°C

Humidity 86%

Wind NNW calm km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

3,325

(2021 Census)

+3.1% since 2016

Density: 403.5/km²

Dwellings: 1,586

Median household income: $68,000

After-tax: $62,400

Immigrant population: 7.7%

Top countries of origin (% of total population)

  • United Kingdom3.2% · 105
  • United States of America0.9% · 30
  • Germany0.6% · 20
  • South Africa, Republic of0.5% · 15
  • India0.5% · 15
  • Poland0.3% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

30

5/9 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
Palsson ElementaryElementary638 m
Lake Cowichan SecondaryElementary1.0 km
Lake Cowichan ElementaryElementary1.0 km
Tansor ElementaryElementary21.7 km
Ecole Mount Prevost ElementaryElementary23.1 km
Drinkwater ElementaryElementary23.7 km
Ladysmith SecondarySecondary24.2 km
Queen Margaret's(Independent)K-1224.3 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

Restaurants (2)

  • Lakeside Sushi · 78 Cowichan Lake Road441 m
  • Shaker Mill · 72 Cowichan Lake Road454 m

Cafes (2)

  • River Cafe · 56 South Shore Road558 m
  • Tim Hortons588 m

Grocery (1)

  • Country Grocer · 83 Cowichan Lake Road443 m

Parks (5+)

  • Greendale Park256 m
  • Dashwood Park281 m
  • Sahtlam Park451 m
  • Central Park495 m
  • Unnamed713 m

Shopping (1)

  • Fields795 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 7.3% ($66,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$735,920.00
Periodic payment — Principal & Interest (monthly)$4,747.91
Additional monthly expenses (strata, tax, utilities, etc.)$587.97
Total monthly cost$5,335.87
Interest paid over 5-yr term$210,916.79
Balance at end of term$661,962.42

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$66,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,558.58

Cash Needed at Closing

Minimum down payment$66,990
Estimated BC PTT$16,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$84,888

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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