Property Type: Detached HouseOwnership: Freehold

4394 Telegraph Rd

Cowichan Bay, BC V0R1N2

$1,150,000

4 bed3 bath6 parking2,683 sqftBuilt 2008
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Property Details

Property & Lot

Sub-type
House
Lot size
0.97 acres
Zoning
Residential

R2

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,969

Interior

Heating
Baseboard heaters, Forced air, Electric, Propane
Cooling / A/C
Window air conditioner
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view, Valley view

Parking

Total spaces
6

Room Dimensions

RoomLevelDimensions
LoftOther10'0 x 34'3
WorkshopOther25'0 x 9'1
Hobby roomOther16'0 x 11'0
WorkshopOther25'0 x 16'0
Hobby roomMain level11'7 x 7'7
PlayroomSecond level7'5 x 6'9
DenSecond level4'0 x 9'0
Family roomSecond level15'3 x 12'8
BathroomSecond level4-Piece
BedroomSecond level11'5 x 9'0
BedroomSecond level7'4 x 15'10
BedroomSecond level12'9 x 12'5
PantryMain level4' x 5'
Laundry roomMain level7'9 x 11'6
Living roomMain level12'10 x 20'0
KitchenMain level9'7 x 17'7
Dining roomMain level12'10 x 14'4
Primary BedroomMain level12'10 x 18'6
EnsuiteMain level5-Piece
BathroomMain level2-Piece

Listing Information

MLS®
1043932
Listed
July 22, 2026
Time on market
On the market for 40 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty · Data source: CREA DDF.

Description

Set behind an elegant gated entrance on a beautifully landscaped 1-acre corner lot in coveted Cowichan Bay, this exceptional family home blends comfort, function, and country charm. Surrounded by mature trees and established gardens, the property offers privacy while being just steps from the elementary school and minutes to the marina, boat launch, and shopping. The spacious main-floor primary suite features a walk-in closet and spa-inspired ensuite with jetted tub, walk-in shower, and double vanity. Upstairs offers 3 additional bedrooms and a family room. An oversized double garage with 12'+ ceilings, mezzanine and removable safe room complements the fully insulated 2-bay shop with 220V service, workshop, upper storage and air compressor. Enjoy a covered veranda that looks out onto a fully fenced yard or enjoy the rippling water into your pond while relaxing by your fire pit. Or enjoy farm fresh fruit from your trees & beds, hen house and lush garden park like oasis , perfect for peace and serenity! (id:63159)

Values & Trends

This listing

$429/sqft

Building average

No other active listings in this building

Cowichan Bay average

$572/sqft

17 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

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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

4

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
Bench ElementaryElementary550 m
Sunrise Waldorf School(Independent)Elementary/Middle3.1 km
Ecole Cobble Hill ElementaryElementary3.8 km
Evergreen Independent School(Independent)Elementary4.2 km
Noorunissa Montessori Academy of Canada(Independent)Elementary7.1 km
George Bonner ElementaryElementary7.2 km
Frances Kelsey SecondarySecondary7.7 km
Shawnigan Lake(Independent)Secondary8.0 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 (2)

  • Waldy Road Park675 m
  • Lanes Road Park796 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 7.8% ($90,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$920,000.00
Periodic payment — Principal & Interest (monthly)$5,935.53
Additional monthly expenses (strata, tax, utilities, etc.)$631.42
Total monthly cost$6,566.94
Interest paid over 5-yr term$263,674.64
Balance at end of term$827,542.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$90,000
Stress test qualifying rate8.09%
Payment you must qualify for$8,151.03

Cash Needed at Closing

Minimum down payment$90,000
Estimated BC PTT$21,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$112,500

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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