Property Type: Detached HouseOwnership: Freehold

DL4946 REFUGE COVE

Remote Areas, BC V0P1P0

$859,000

3 bed2 bath1,222 sqftBuilt 2005
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Property Details

Property & Lot

Sub-type
House
Lot size
irregular

Ownership & Fees

Property type
Detached House
Ownership
Freehold

Interior

Heating
Propane, Wood
Fireplace
Yes (1)
Fireplace type
Wood, Woodstove

Exterior & Lot

View
Ocean view
Waterfront
Waterfront on ocean

Room Dimensions

RoomLevelDimensions
Living roomMain level
KitchenMain level
Primary BedroomAbove
2pc BathroomMain level
3pc BathroomAbove
BedroomAbove
Laundry roomMain level

Listing Information

MLS®
20107
Listed
August 2, 2026
Time on market
On the market for 29 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX POWELL RIVER · Data source: CREA DDF.

Description

1.71 acres, 2 bed, 2 bath main home + separate guest cabin on private, freehold waterfront in the heart of Desolation Sound. Located in historic Refuge Cove, this off grid home was built in 2005. Designed for comfortable, year round living, the estate is fully equipped with a solar power system, generator, propane on demand hot water, stove, fridge, washer, and dryer. Multiple decks offer a choice of sunny or sheltered outdoor living spaces, each showcasing a unique ocean view. Boaters will love the protected, deep water private dock, included foreshore frontage providing secure moorage. Stay reliably connected with wireless internet and standard cell and mobile service. Enjoy the ultimate peace and privacy of remote waterfront living while remaining part of a 100+ year old coastal community. You are just a 5 minute boat ride from the historic Refuge Cove general store, fuel dock, post office, liquor store, and restaurant. Welcome to the lifestyle! (id:63159)

Values & Trends

This listing

$703/sqft

Building average

No other active listings in this building

Remote Areas average

$457/sqft

1 active listing(s)

Parking: Not indicatedStorage 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: Salmon Arm

15°C

Humidity 88%

Wind S 5 km/h

Tonight

10°

Tuesday

25°

Tuesday night

14°

Wednesday

23°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Sorrento ElementaryElementary668 m
North Shuswap ElementaryElementary/Middle11.7 km
Carlin Elementary MiddleElementary/Middle13.5 km
Haldane ElementaryElementary16.1 km
Chase Elementary-SecondaryElementary16.2 km
Shuswap SDA(Independent)Elementary/Middle22.8 km
Salmon Arm West ElementaryElementary23.5 km
North Canoe ElementaryElementary23.5 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.

School district: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 7.1% ($60,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$687,200.00
Periodic payment — Principal & Interest (monthly)$4,433.58
Additional monthly expenses (strata, tax, utilities, etc.)$61.00
Total monthly cost$4,494.58
Interest paid over 5-yr term$196,953.50
Balance at end of term$618,138.62

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$60,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,137.11

Cash Needed at Closing

Minimum down payment$60,900
Estimated BC PTT$15,180
Legal / closing costs (typical estimate)$1,500
Total cash needed$77,580

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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