Property Type: Detached HouseOwnership: Freehold

4105 Ross Rd

Nanaimo, BC V9T4M9

$725,000

4 bed3 bath3 parking2,409 sqftBuilt 1991
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Property Details

Property & Lot

Sub-type
House
Lot size
6,033 square feet
Zoning
Residential

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,972

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Wall unit, Air Conditioned
Fireplace
None
Appliances
Washer, Refrigerator, Range - Electric, Dishwasher, Dryer

Exterior & Lot

Lot features
Central location, Other

Building

Parcel ID (PID)
000-196-720

Parking

Total spaces
3

Room Dimensions

RoomLevelDimensions
StorageLower level8'4 x 6'7
StorageLower level5' x 3'
Laundry roomLower level6'8 x 12'7
KitchenLower level12' x 11'
Family roomLower level19'
BedroomLower level13'4 x 8'10
BedroomLower level12'4 x 12'7
BathroomLower level10' x 7'
Primary BedroomMain level12'
OfficeMain level8'10 x 10'7
Living roomMain level13'3 x 14'6
KitchenMain level11'4 x 10'7
EntranceMain level13' x 8'
Dining roomMain level13'3 x 7'8
BedroomMain level12'10 x 11'11
BathroomMain level6' x 9'
EnsuiteMain level8' x 5'

Listing Information

MLS®
1047013
Listed
August 15, 2026
Time on market
On the market for 16 days
Data last synced
September 1, 2026

Listing provided by: Royal LePage Nanaimo Realty (NanIsHwyN) · Data source: CREA DDF.

Description

Welcome to 4105 Ross Road! Excellent investment opportunity featuring two separate suites, ideal for rental income or multi-generational living. The original staircase remains intact beneath the flooring, offering the flexibility to easily convert the property back into a single-family home. The main living area upstairs is equipped with a ductless heat pump and air conditioning, installed this year, along with cozy heated tile flooring in the living room. Step out onto the back deck to find brand-new stairs leading down to a beautifully landscaped yard. Major updates include a new hot water tank replaced in 2024 and a newly installed roof this year. The home comes with fantastic, long-term downstairs tenants of 12 years who would love to stay. Note: Suite viewings available on second showings only with 24 hours' notice. (id:63159)

Values & Trends

This listing

$301/sqft

Building average

No other active listings in this building

Uplands average

$674/sqft

18 active listing(s)

Parking: 3 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

15°C

Partly Cloudy

Humidity 85%

Wind N 2 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

15

2/9 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
Uplands Park ElementaryElementary489 m
Mount Benson ElementaryElementary1.1 km
Wellington SecondarySecondary1.4 km
Randerson Ridge ElementaryElementary1.4 km
Rock City ElementaryElementary1.9 km
Rutherford ElementaryElementary2.1 km
Pleasant Valley ElementaryElementary2.5 km
Dover Bay SecondaryElementary2.5 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.

Nearby Places

Parks (5+)

  • Trillium Park · 3960 Trillium Lane168 m
  • Orchard Circle Park 2198 m
  • Salal Park · 4095 Salal Drive290 m
  • Orchard Circle Park 1 · 4117 Orchard Circle335 m
  • Lakeview Park438 m

Banks & ATMs (1)

  • Localcoin Bitcoin ATM579 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($47,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$580,000.00
Periodic payment — Principal & Interest (monthly)$3,741.96
Additional monthly expenses (strata, tax, utilities, etc.)$534.33
Total monthly cost$4,276.30
Interest paid over 5-yr term$166,229.67
Balance at end of term$521,711.88

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,209.74

Cash Needed at Closing

Minimum down payment$47,500
Estimated BC PTT$12,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,500

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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