Property Type: Detached HouseOwnership: Freehold

Lt 38 Ruxton Rd

Ruxton Island, BC V0R1X7

$579,000

3 bed1 bath1,546 sqftBuilt 2004
Get Directions

Property Details

Property & Lot

Sub-type
House
Lot size
0.57 acres
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$1,754

Interior

Heating
Wood
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Features
None

Room Dimensions

RoomLevelDimensions
DenSecond level9'4 x 11'3
BedroomSecond level13'3 x 15'5
BedroomSecond level17'0 x 11'0
BathroomMain level7'8 x 11'0
Primary BedroomMain level11'3 x 11'0
Dining roomMain level12'1 x 21'9
KitchenMain level9'2 x 11'3
Living roomMain level12'9 x 15'5

Listing Information

MLS®
1040707
Listed
June 17, 2026
Time on market
On the market for 75 days
Data last synced
August 28, 2026

Listing provided by: Real Broker · Data source: CREA DDF.

Description

This exquisite 0.57-acre walk-on waterfront property offers a rare blend of seclusion, comfort, and timeless craftsmanship. Accessible by boat, Ruxton is an off-grid gem nestled between Vancouver Island and the mainland where the pace slows, and nature takes centre stage. The home itself is solid and refined a 3-bedroom + den retreat built to an exceptional standard, designed to weather the seasons with grace. Inside, you'll find warm, inviting spaces and panoramic views that blur the lines between indoors and out. Your gaze will constantly be drawn the ocean from nearly every room. Wake up to the sound of waves lapping the shore, sip your coffee on the deck as seals glide by, and end your day with a sky full of stars and the soft hush of the tide. This is more than a property it’s a lifestyle rooted in tranquility, peace, and presence. An extraordinary offering for those ready to unplug, unwind, and truly arrive. Verify all measurements and data if important. (id:63159)

Values & Trends

This listing

$375/sqft

Building average

No other active listings in this building

Ruxton Island average

$1,113/sqft

3 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: Nanaimo

Partly Cloudy

15°C

Partly Cloudy

Humidity 87%

Wind SW 3 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

7

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

SchoolTypeDistance
Thetis Island ElementaryElementary8.7 km
Stz'uminus Senior Secondary(Independent)Secondary11.0 km
North Oyster ElementaryElementary11.3 km
Cedar ElementaryElementary11.4 km
Cedar SecondarySecondary12.8 km
Ladysmith IntermediateElementary13.2 km
Qwam Qwum Stuwixwulh Community SchoolElementary13.4 km
Ladysmith PrimaryElementary13.5 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.

Nearby Places

Parks (3)

  • Ruxton Island Park 3265 m
  • Ruxton Island Park 1282 m
  • Ruxton Island Park 2616 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 5.7% ($32,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$463,200.00
Periodic payment — Principal & Interest (monthly)$2,988.41
Additional monthly expenses (strata, tax, utilities, etc.)$223.17
Total monthly cost$3,211.58
Interest paid over 5-yr term$132,754.45
Balance at end of term$416,649.90

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$32,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,199.32

Cash Needed at Closing

Minimum down payment$32,900
Estimated BC PTT$9,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$43,980

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.

Request more information