Property Type: Detached HouseOwnership: Freehold

4370 Moss Rd

Duncan, BC V9L6M4

$5,175,000

4 bed4 bath10 parking2,897 sqftBuilt 2008
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Property Details

Property & Lot

Sub-type
House
Lot size
63.49 acres
Zoning
Agricultural

A1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,153

Interior

Heating
Heat Pump
Cooling / A/C
Air Conditioned
Fireplace
None

Exterior & Lot

View
Mountain view, River view, View, Valley view
Waterfront
Waterfront on river

Parking

Total spaces
10

Room Dimensions

RoomLevelDimensions
OtherOther46'1
StorageOther13'8 x 14'1
Laundry roomMain level11'8 x 7'5
BathroomMain level5'1 x 7'6
DenMain level13'2 x 10'10
BedroomMain level13'7 x 10'9
EnsuiteMain level5'4
Primary BedroomMain level14'5
Living roomMain level21'1 x 12'4
Dining roomMain level9'1 x 10'10
KitchenMain level12'2 x 10'11
PatioLower level20'11 x 8'9
PatioLower level23'8
Utility roomLower level7'4 x 18'8
BathroomLower level8'3 x 7'11
BedroomLower level11'7 x 10'6
EnsuiteLower level5'1 x 9'9
BedroomLower level14'3
Recreation roomLower level21'3 x 23'2
EntranceLower level10'7 x 17'6

Listing Information

MLS®
1041441
Listed
June 25, 2026
Time on market
On the market for 67 days
Data last synced
August 28, 2026

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

Description

This over 63-acre ALR-designated estate in the heart of the Cowichan Valley includes over 2,500 ft of pristine river frontage with private swimming holes & a picturesque waterfall. Enjoy a diverse landscape of meadows, forests, lush soil & pasture, currently cultivating heritage grasses grown for artisan cheese production. Plus nearly 20,000 sq.ft of deer fenced & irrigated garden & greenhouse space. Abundant water with multiple wells & 2 water licenses to draw from the Koksilah River & Patrolas Creek, cisterns & an extensive water filtration system. Other features include a 4 bdrm+den, 4 bath home extensively renovated in 2026, recently upgraded highway load rated bridge, powered Quonset hut, generator backup system, covered parking for 2 w/EV charging & storage & a brand-new tiny home for guests or rental income. This is a rare property with exceptional water resources, productive land & unmatched riverfront beauty in one of Vancouver Island's most sought-after agricultural regions! (id:63159)

Values & Trends

This listing

$1,786/sqft

Building average

No other active listings in this building

Cowichan Station/Glenora average

$746/sqft

7 active listing(s)

Parking: 10 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

15°C

Humidity 82%

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

5,047

(2021 Census)

+2.1% since 2016

Density: 2,450/km²

Dwellings: 2,620

Median household income: $53,200

After-tax: $49,600

Immigrant population: 11%

Top countries of origin (% of total population)

  • United Kingdom2.8% · 140
  • United States of America1.4% · 70
  • Germany1.1% · 55
  • Netherlands0.9% · 45
  • Philippines0.6% · 30
  • India0.4% · 20
  • Mexico0.3% · 15
  • Hungary0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Sunrise Waldorf School(Independent)Elementary/Middle868 m
Noorunissa Montessori Academy of Canada(Independent)Elementary3.8 km
Bench ElementaryElementary3.9 km
Evergreen Independent School(Independent)Elementary6.0 km
Des CascadesElementary6.0 km
Ecole Cobble Hill ElementaryElementary6.2 km
Queen of Angels School(Independent)Elementary/Middle6.5 km
Duncan Christian School(Independent)K-126.7 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: Cowichan (SD79)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($1,035,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$4,140,000.00
Periodic payment — Principal & Interest (monthly)$26,709.88
Additional monthly expenses (strata, tax, utilities, etc.)$407.75
Total monthly cost$27,117.63
Interest paid over 5-yr term$1,186,535.90
Balance at end of term$3,723,943.39

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$1,035,000
Stress test qualifying rate8.09%
Payment you must qualify for$31,835.15

Cash Needed at Closing

Minimum down payment$1,035,000
Estimated BC PTT$176,750
Legal / closing costs (typical estimate)$1,500
Total cash needed$1,213,250

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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