821 Fulford-Ganges Rd
Salt Spring, BC V8K2G4
$920,000
Property Details
Property & Lot
- Sub-type
- House
- Lot size
- 1.35 acres
- Zoning
- Rural residential
Rural (R)
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,032.26
Interior
- Heating
- Baseboard heaters, Wood
- Cooling / A/C
- None
- Fireplace
- Yes (2)
Parking
- Total spaces
- 5
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Dining room | Lower level | 6'1 x 10'10 |
| Kitchen | Lower level | 12'1 x 10'5 |
| Bathroom | Lower level | 9'0 x 3'1 |
| Bathroom | Lower level | 11'6 x 10'8 |
| Bedroom | Lower level | 9'0 x 15'4 |
| Bedroom | Lower level | 15'8 x 9'10 |
| Living room | Lower level | 11'6 x 18'6 |
| Living room | Lower level | 15'6 x 13'2 |
| Office | Main level | 13'7 x 7'3 |
| Bathroom | Main level | 7'5 x 7'5 |
| Bedroom | Main level | 11'7 x 13'8 |
| Bedroom | Main level | 11'8 x 13'6 |
| Primary Bedroom | Main level | 15'5 x 15'3 |
| Kitchen | Main level | 15'5 x 13'4 |
| Living room | Main level | 15'5 x 18'7 |
Listing Information
- MLS®
- 1030400
- Listed
- April 3, 2026
- Time on market
- On the market for 150 days
- Data last synced
- August 28, 2026
Listing provided by: Royal LePage Duncan Realty Salt Spring Island · Data source: CREA DDF.
Description
Extensively updated and well-maintained, this versatile Salt Spring home offers exceptional income potential and a vibrant island lifestyle. Designed with flexibility in mind, the property features up to four self-contained spaces, each with its own entrance, offering the option to enjoy the entire home or live in part while operating the remainder as a BnB. The bright main level showcases an open-concept layout with a fully renovated kitchen, large new windows, hardwood floors, and a welcoming living area with wood stove. The lower level provides two additional living rooms, each with an associated bedroom and bathroom, ideal for guests or BnB use. A detached studio offers the perfect artist’s retreat, while a dedicated office creates a quiet work-from-home space. Outdoors, enjoy a true gardener’s paradise with a greenhouse, 42 raised beds, 13 fruit trees, a diversity of berries, a grape arbour, and mature kiwi vines - an inspiring setting to live, create, and thrive. (id:63159)
Values & Trends
This listing
$346/sqft
Building average
—
No other active listings in this building
Salt Spring average
$765/sqft
81 active listing(s)
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: Duncan
13°C
—
Humidity 92%
Wind SSW calm km/h
Tonight
12°
Tuesday
21°
Tuesday night
14°
Wednesday
16°
Wednesday night
11°
Thursday
17°
Source: Environment and Climate Change Canada.
Location Accessibility
Our own metric — not an official Walk Score®.
Amenities
11
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
| School | Type | Distance |
|---|---|---|
| Salt Spring Elementary | Elementary | 3.5 km |
| Gulf Islands Secondary | Secondary | 3.8 km |
| Phoenix Place | Secondary | 3.8 km |
| Fernwood Elementary | Elementary | 10.0 km |
| Galiano Community School | Elementary | 12.2 km |
| Maple Bay Elementary | Elementary | 12.4 km |
| Crofton Elementary Community School | Elementary | 12.8 km |
| Mayne Island School | Elementary | 14.4 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
Shopping (1)
- Fields134 m
Nearby places data: © OpenStreetMap contributors.
School district: Gulf Islands (SD64)
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Mortgage & Ownership Cost Calculator
Minimum required: 7.3% ($67,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Rates based on Bank of Canada benchmark data.
Financial Summary
Cash Needed at Closing
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.