Property Type: Detached HouseOwnership: Freehold

5090 ELLIOT ROAD

Garden Bay, BC V0N1S1

$1,299,999

5 bed3 bath5 parking2,790 sqftBuilt 2007
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Property Details

Property & Lot

Sub-type
House
Lot size
16,988 square feet
Frontage
0 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,763.9 (2025)

Interior

Basement
Full, Unknown, Unknown
Heating
Electric
Fireplace
Yes (1)

Exterior & Lot

View
View

Parking

Total spaces
5 — covered indicated
Features
Garage, RV

Listing Information

MLS®
R3123763
Listed
May 14, 2026
Time on market
On the market for 109 days
Tax assessment year
2025
Data last synced
August 28, 2026

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

Description

Can you believe, this beautiful lakefront property has recently become available? Situated on a 1/3 acre lot, offering gorgeous panoramic views of the sparkling Garden Bay Lake. The main house spans 2,800 square ft and features an open floor plan, with views from the spacious kitchen, living room and dining area and bonus office. The large bedroom on the main is complete with a beautiful ensuite. Down below, on the lower level is space for guests with two additional bedrooms a large open rec room, perfect for spreading out. Beyond the main home, the property includes a separate two-bedroom suite, ideal for extended family or rental income, a large double garage, fire pit and patios and decks on every level Bring your family and enjoy this piece of paradise, Summer, weekends or year round. (id:63159)

Values & Trends

This listing

$466/sqft

Building average

No other active listings in this building

Garden Bay average

$606/sqft

7 active listing(s)

Parking: 5 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: 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 ElementaryElementary3.3 km
Pender Harbour Elem-SecondaryK-124.0 km
Halfmoon Bay ElementaryElementary21.2 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: 8.1% ($105,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,039,999.00
Periodic payment — Principal & Interest (monthly)$6,709.72
Additional monthly expenses (strata, tax, utilities, etc.)$453.66
Total monthly cost$7,163.38
Interest paid over 5-yr term$298,066.70
Balance at end of term$935,482.46

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$105,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,189.12

Cash Needed at Closing

Minimum down payment$105,000
Estimated BC PTT$24,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$130,500

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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