Property Type: Detached HouseOwnership: Freehold

4873 Pirates Rd

Pender Island, BC V0N2M0

$659,000

2 bed1 bath3 parking974 sqftBuilt 2013
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Property Details

Property & Lot

Sub-type
House
Lot size
0.59 acres
Zoning
Unknown

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,625.45

Interior

Heating
Electric, Wood, Other
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Total spaces
3 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
StudioOther
StorageOther
BedroomMain level
Primary BedroomSecond level
BathroomMain level
KitchenMain level
Living room/Dining roomMain level

Listing Information

MLS®
1044094
Listed
July 24, 2026
Time on market
On the market for 38 days
Data last synced
August 28, 2026

Listing provided by: Sutton Group West Coast Realty · Data source: CREA DDF.

Description

NEW PRICE IMPROVEMENT!! ($40k Reduction) Private Pender Paradise!! Beautiful post and beam home, hand-built with local wood in 2013, with yellow cedar shingle cladding to last for years! Enjoy the coziness of the energy efficient woodstove / infloor radiant heating. All newer appliances in the kitchen. Den recently finished and doubles as an office / bedroom. Bright open living spaces open onto a sun drenched rear yard with newly added 14x20 sun deck. Covered deck extends the living space and is great for outdoor cooking and entertaining. Fully fenced rear yard keeps the deer out and dogs in! Gardens are filled with perennial plants, flowers and fruit trees. Accessory buildings include a guest bunkie with loft for the kids, plentiful firewood storage, and a storage shed by the parking area. This property is connected to both municipal water and sewer. Rainwater catchment system in place with 1,000gal reservoir. Magic Lake swimming hole is a short walk down the road. Join the Magic Lake Property Owners Society to take advantage of moorage at Thieves Bay Marina and much more! Perfect as your island getaway and very comfortable for year round living!! Don’t miss this stunning home on Pender Island. Call today! (id:63159)

Values & Trends

This listing

$677/sqft

Building average

No other active listings in this building

Pender Island average

$800/sqft

36 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

Nearest station: Gulf Islands (Southern)

16°C

Humidity 73%

Wind WSW 2 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

7

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/Middle1.3 km
Saturna Island Elementary SecondaryK-129.0 km
Mayne Island SchoolElementary9.9 km
Parkland SecondarySecondary14.2 km
North Saanich Middle SchoolMiddle14.3 km
Galiano Community SchoolElementary14.6 km
Sidney ElementaryElementary14.9 km
Deep Cove ElementaryElementary15.5 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 (3)

  • Swimming Hole Park296 m
  • Danny Martin Ball Park740 m
  • Prior Park780 m

Nearby places data: © OpenStreetMap contributors.

School district: Gulf Islands (SD64)

Mortgage & Ownership Cost Calculator

Minimum required: 6.2% ($40,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$527,200.00
Periodic payment — Principal & Interest (monthly)$3,401.32
Additional monthly expenses (strata, tax, utilities, etc.)$434.45
Total monthly cost$3,835.77
Interest paid over 5-yr term$151,097.04
Balance at end of term$474,218.11

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$40,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,752.97

Cash Needed at Closing

Minimum down payment$40,900
Estimated BC PTT$11,180
Legal / closing costs (typical estimate)$1,500
Total cash needed$53,580

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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