Property Type: Detached HouseOwnership: Freehold

5904 Garvin Rd

Union Bay, BC V0R3B0

$949,900

3 bed3 bath5 parking3,039 sqftBuilt 1986
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Property Details

Property & Lot

Sub-type
House
Lot size
21,344 square feet
Zoning
Residential

CR-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,493.71

Interior

Heating
Heat Pump, Baseboard heaters, Electric, Wood
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Exterior & Lot

View
Mountain view, Ocean view

Parking

Total spaces
5

Room Dimensions

RoomLevelDimensions
Laundry roomLower level8'2 x 16'10
OtherLower level8'3 x 23'7
Recreation roomLower level13'5 x 17'0
Family roomLower level16'5 x 16'8
BedroomLower level11'0 x 13'6
BedroomLower level13'4 x 13'6
BathroomLower level4'10 x 9'0
BathroomMain level4'11 x 9'5
DenMain level13'11 x 17'8
EnsuiteMain level6'2 x 11'5
Primary BedroomMain level12'6 x 13'11
EntranceMain level12'6 x 13'11
Dining nookMain level7'0 x 8'11
KitchenMain level13'8 x 16'10
Dining roomMain level12'1 x 14'0
Living roomMain level12'2 x 16'11

Listing Information

MLS®
1030179
Listed
March 27, 2026
Time on market
On the market for 157 days
Data last synced
August 28, 2026

Listing provided by: Sutton Group-West Coast Realty (Nan) · Data source: CREA DDF.

Description

Waterfront views without the price of waterfront! Welcome to the friendly seaside community of Union Bay. Bring your updating ideas to this spacious, solidly built rancher with fully finished walk out basement. This property sits on a quiet no thru road, on the bank right across from the ocean. Enjoy unobstructed, panoramic views of Baynes Sound, the Georgia Strait, Denman Island & the Mainland mountains from almost every room. Wake up to spectacular sunrises from the comfort of your bed, and enjoy the sealions and orcas on their way by. This half acre property is truly in a prime location. Main level features a large bright kitchen with eating nook & lots of counterspace. The dining room has has plenty of space for a very large table, great for entertaining & family get togethers. French doors from the dining room to a deck with amazing views. The living room has a cozy woodstove & more great views. Primary bedroom on main level includes ensuite with soaker tub. The large studio/den has its own entrance from the side deck, with the main bathroom close by. The fully finished basement has another 2 bedrooms, bathroom, laundry, rec room area, family room with newer woodstove and patio doors to the scenic ocean side of the property. There's a whole lot of space here for whatever you need. The heat pump is an added bonus, providing efficient heating and cooling. although the main floor woodstove is able to heat the house nicely if you prefer wood heat. Just a 2 minute drive to local grocery/liquor store, auto repair shop, post office & boat launch, and just 10 minutes to major shopping in Courtenay. Contact your realtor and book a viewing today! (id:63159)

Values & Trends

This listing

$313/sqft

Building average

No other active listings in this building

Union Bay/Fanny Bay average

$582/sqft

20 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: Comox

Mostly Cloudy

16°C

Mostly Cloudy

Humidity 72%

Wind W 4 km/h

Tonight

13°

Tuesday

20°

Tuesday night

16°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Denman Island Community SchoolElementary5.5 km
Beachcombers Academy(Independent)Elementary7.5 km
Royston ElementaryElementary10.2 km
Cumberland Community SchoolElementary/Middle12.8 km
Phil & Jennie Gaglardi Academy(Independent)K-1213.0 km
Ecole Robb RoadElementary13.3 km
Brooklyn ElementaryElementary13.6 km
École Au coeur de l'îleK-1213.7 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: Comox Valley (SD71)

Mortgage & Ownership Cost Calculator

Minimum required: 7.4% ($69,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$759,920.00
Periodic payment — Principal & Interest (monthly)$4,902.75
Additional monthly expenses (strata, tax, utilities, etc.)$609.81
Total monthly cost$5,512.56
Interest paid over 5-yr term$217,795.26
Balance at end of term$683,550.50

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$69,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,766.20

Cash Needed at Closing

Minimum down payment$69,990
Estimated BC PTT$16,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$88,488

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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