Property Type: Land / LotOwnership: Freehold

4849 Pirates Rd

Pender Island, BC V0N2M2

$219,000

0 bed0 bath
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Property Details

Property & Lot

Lot size
14,810 square feet
Zoning
Residential

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$2,878.8

Interior

Fireplace
None

Listing Information

MLS®
1031832
Listed
April 13, 2026
Time on market
On the market for 140 days
Data last synced
August 28, 2026

Listing provided by: Macdonald Realty Victoria · Data source: CREA DDF.

Description

What a beautiful lot across from Magic Lake, and a short walk to the Swimming Hole, public access to the lake. Old growth trees and some cleared area give you an enchanting idea of where your dream house could be situated. Established homes on either side of the lot show you exactly where to place your home to maximize privacy. It is so quiet, you can hear the birds conversing with each other! Eagles soar overhead, deer and their fawns stroll by, while the whale route is at nearby Boat Nook. Community sewer and water, and hydro at the lot line make this an easy build for the new or experienced builder. Lots of fun family time can be spent on Pender Island, summers spent on the lake, and cozy winters. Property size by BC Assessment, buyers to satisfy themselves if deemed important. (id:63159)

Location Insights

Weather

Nearest station: Gulf Islands (Southern)

16°C

Humidity 76%

Wind SSW 12 km/h

Tonight

13°

Tuesday

19°

Tuesday night

14°

Wednesday

17°

Wednesday night

12°

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
Pender Islands Elem-SecondaryElementary/Middle1.4 km
Saturna Island Elementary SecondaryK-129.1 km
Mayne Island SchoolElementary9.7 km
Parkland SecondarySecondary14.2 km
North Saanich Middle SchoolMiddle14.3 km
Galiano Community SchoolElementary14.3 km
Sidney ElementaryElementary14.9 km
Deep Cove ElementaryElementary15.4 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+)

  • Swimming Hole Park509 m
  • Danny Martin Ball Park554 m
  • Unnamed665 m
  • Unnamed666 m
  • Prior Park673 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($10,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$175,200.00
Periodic payment — Principal & Interest (monthly)$1,130.33
Additional monthly expenses (strata, tax, utilities, etc.)$239.90
Total monthly cost$1,370.23
Interest paid over 5-yr term$50,212.82
Balance at end of term$157,592.97

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$10,950
Stress test qualifying rate8.09%
Payment you must qualify for$1,599.83

Cash Needed at Closing

Minimum down payment$10,950
Estimated BC PTT$2,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$14,830

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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