Property Type: Detached HouseOwnership: Freehold

8845 Central St

Port Hardy, BC V0N2P0

$395,000

3 bed3 bath2 parking1,917 sqftBuilt 1978
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Property Details

Property & Lot

Sub-type
House
Lot size
5,500 square feet
Zoning
Multi-Family

RM-1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,601

Interior

Heating
Heat Pump, Electric
Cooling / A/C
Air Conditioned
Fireplace
Yes (2)

Exterior & Lot

View
Ocean view

Parking

Total spaces
2 — covered indicated
Features
Carport

Room Dimensions

RoomLevelDimensions
StorageOther7'6
Primary BedroomMain level11'9 x 15'9
Living roomMain level15'6
Laundry roomLower level9'6
KitchenMain level9'6
EnsuiteMain level4-Piece
Dining roomMain level9'6 x 19'6
DenLower level9'3
BedroomLower level
BedroomLower level8'3
BathroomLower level4-Piece
BathroomMain level2-Piece

Listing Information

MLS®
1044763
Listed
August 3, 2026
Time on market
On the market for 28 days
Data last synced
August 28, 2026

Listing provided by: 460 Realty Inc. (PH) · Data source: CREA DDF.

Description

Centrally located in downtown Port Hardy, this multi-family zoned home is just a short stroll to the oceanfront, shopping, restaurants, and everyday amenities. Offering plenty of space and endless potential, it's the perfect opportunity for investors, renovators, or buyers looking to create a home with income potential. The upper level features a spacious living and dining area, a bright kitchen, covered deck, powder room, laundry, and an oversized primary bedroom complete with a 4-piece ensuite. Downstairs offers ground-level access through the carport and includes plumbing and electrical already in place for a second kitchen, plus a full bathroom, living area, 2 bedrooms, and den—making it easy to convert back into two self-contained rental units. While the home could benefit from some TLC, it is priced below assessed value and offers excellent upside. Major updates include a new heat pump (2021) and roof (2018). A fantastic opportunity to add value in a desirable central location. (id:63159)

Values & Trends

This listing

$206/sqft

Building average

No other active listings in this building

Port Hardy average

$327/sqft

9 active listing(s)

Parking: 2 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

Mostly Cloudy

15°C

Mostly Cloudy

Humidity 93%

Wind WSW 6 km/h

Tonight

10°

Tuesday

17°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

3,902

(2021 Census)

-5.6% since 2016

Density: 101.2/km²

Dwellings: 1,984

Median household income: $69,000

After-tax: $62,800

Immigrant population: 9.3%

Top countries of origin (% of total population)

  • United Kingdom1.9% · 75
  • Philippines1.7% · 65
  • United States of America0.9% · 35
  • India0.6% · 25
  • Germany0.4% · 15
  • Poland0.3% · 10
  • South Africa, Republic of0.3% · 10
  • China0.3% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

48

7/9 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
Eagle View ElementaryElementary344 m
Port Hardy SecondarySecondary780 m
Eke Me-Xi SchoolElementary1.1 km
Fort Rupert ElementaryElementary6.0 km
Avalon Adventist Christian Academy(Independent)Elementary/Middle7.9 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

Restaurants (5+)

  • The Sporty Bar & Grill383 m
  • Captain Hardy's479 m
  • bubble tea · 8635 Granville Street499 m
  • nax'id' pub507 m
  • Mo's550 m

Cafes (2)

  • Café Guido · 7135 Market Street491 m
  • Market Street Cafe · 7030 Market Street684 m

Grocery (1)

  • Save-On-Foods · 8950 Granville Street390 m

Parks (4)

  • Unnamed222 m
  • Rotary Park395 m
  • Stink Creek Park400 m
  • Tsulquate Park450 m

Shopping (3)

  • Thunderbird Mall · 8950 Granville Street421 m
  • Fields435 m
  • Unnamed · 7070 Market Street581 m

Pharmacies (2)

  • Hardy Bay Drug Store400 m
  • Rexall596 m

Banks & ATMs (3)

  • Coastal Community Credit Union & Insurance Services554 m
  • Scotiabank556 m
  • CIBC585 m

Nearby places data: © OpenStreetMap contributors.

School district: Vancouver Island North (SD85)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($19,750) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$316,000.00
Periodic payment — Principal & Interest (monthly)$2,038.72
Additional monthly expenses (strata, tax, utilities, etc.)$312.75
Total monthly cost$2,351.47
Interest paid over 5-yr term$90,566.51
Balance at end of term$284,243.02

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$19,750
Stress test qualifying rate8.09%
Payment you must qualify for$2,885.54

Cash Needed at Closing

Minimum down payment$19,750
Estimated BC PTT$5,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,150

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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