Property Type: Detached HouseOwnership: Freehold

LT 8 Ruxton Island

Ruxton Island, BC

$399,000

3 bed1 bath2 parking1,292 sqftBuilt 2004
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Property Details

Property & Lot

Sub-type
House
Lot size
1 acres
Zoning
Unknown

R1

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$1,354

Interior

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

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
2 — uncovered indicated
Features
Other

Room Dimensions

RoomLevelDimensions
LoftSecond level4'1 x 11'7
OtherSecond level3'9 x 5'11
BedroomSecond level13'7 x 9'7
BedroomSecond level13'7 x 9'6
Primary BedroomMain level15'6 x 11'7
StorageMain level5'2 x 5'0
BathroomMain level5'2 x 7'10
EntranceMain level5'8 x 5'6
PantryMain level3'9 x 6'5
Sitting roomMain level15'6 x 11'4
Dining roomMain level15'6 x 11'11
Living roomMain level13'6 x 13'7

Listing Information

MLS®
1030107
Listed
March 26, 2026
Time on market
On the market for 158 days
Data last synced
August 28, 2026

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

Description

Welcome to your waterfront retreat on breathtaking Ruxton Island! This home has been lovingly designed, decorated, and cared for since new by one loving family. It offers an escape from the everyday with incredible panoramic ocean views of the Stuart Channel and Vancouver Island. Step inside and you are greeted by huge vaulted ceilings, skylights, and a sense of charm that you can only find on a place like Ruxton. This entire property from its multiple decks, bay windows, and outdoor patio shower are designed to take full advantage the view. Perched on this oceanfront bank you can see clearly all the way from Crofton to Dodd Narrows near Nanaimo. This vibrant community holds several yearly events and with a newly constructed community building there is always a helping hand just down the road. This is a west coast lifestyle that is second to none whether you 're looking to enjoy a summer vacation or year round living. All measurements and data are to be comfirmed if deemed important. (id:63159)

Values & Trends

This listing

$309/sqft

Building average

No other active listings in this building

Ruxton Island average

$1,135/sqft

3 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

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 ElementaryElementary8.3 km
Stz'uminus Senior Secondary(Independent)Secondary10.4 km
North Oyster ElementaryElementary10.8 km
Cedar ElementaryElementary11.1 km
Cedar SecondarySecondary12.5 km
Ladysmith IntermediateElementary12.5 km
Ladysmith PrimaryElementary12.9 km
Ladysmith SecondarySecondary13.0 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 2248 m
  • Ruxton Island Park 1460 m
  • Ruxton Island Park 3569 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Similar Listings Nearby

Similar active properties nearby based on property type, price, and size.

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($19,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$319,200.00
Periodic payment — Principal & Interest (monthly)$2,059.37
Additional monthly expenses (strata, tax, utilities, etc.)$177.83
Total monthly cost$2,237.20
Interest paid over 5-yr term$91,483.64
Balance at end of term$287,121.43

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$19,950
Stress test qualifying rate8.09%
Payment you must qualify for$2,914.76

Cash Needed at Closing

Minimum down payment$19,950
Estimated BC PTT$5,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,430

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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