Property Type: Land / LotOwnership: Freehold

4620 IRVINES LANDING ROAD

Garden Bay, BC V0N1S1

$389,000

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Property Details

Property & Lot

Lot size
4.29 acres
Frontage
246 feet

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$1,957.24 (2025)

Interior

Fireplace
None

Listing Information

MLS®
R3122573
Listed
May 12, 2026
Time on market
On the market for 111 days
Tax assessment year
2025
Data last synced
August 28, 2026

Listing provided by: RE/MAX City Realty · Data source: CREA DDF.

Description

Set in one of the Sunshine Coast´s most desirable recreational areas, this private 4.2-acre property offers exceptional value and outstanding potential. Surrounded by mature forest and larger-acreage properties, the setting is peaceful and secluded, yet just minutes from Hotel Lake, Mixal Lake, Garden Bay Lake, and the marinas and ocean access of Pender Harbour. Zoned RU1, the property may permit up to two dwelling units on one parcel, subject to SCRD approval and buyer verification. A drilled well and an older septic system are on site. A rare opportunity to secure a substantial acreage in Garden Bay, priced well below BC Assessment. (id:63159)

Location Insights

Weather

Nearest station: Sechelt

16°C

Humidity 83%

Wind NW 5 km/h

Tonight

13°

Tuesday

20°

Tuesday night

14°

Wednesday

17°

Wednesday night

12°

Thursday

17°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Madeira Park ElementaryElementary3.0 km
Pender Harbour Elem-SecondaryK-125.6 km
Halfmoon Bay ElementaryElementary21.5 km
False Bay SchoolK-1223.5 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.

School district: Sunshine Coast (SD46)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($19,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$311,200.00
Periodic payment — Principal & Interest (monthly)$2,007.76
Additional monthly expenses (strata, tax, utilities, etc.)$163.10
Total monthly cost$2,170.86
Interest paid over 5-yr term$89,190.81
Balance at end of term$279,925.41

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$19,450
Stress test qualifying rate8.09%
Payment you must qualify for$2,841.71

Cash Needed at Closing

Minimum down payment$19,450
Estimated BC PTT$5,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$26,730

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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