Ladysmith · V9G1A2
$3,270/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
Book now
Estate Sale Affordable comfortable one level - Rancher in quiet Ladysmith neighbourhood. Fantastically located being close to schools, Jamison Recreation centre, walking trails, Medical services and Health Center, downtown restaurants and shopping. Bus transportation close by. Built in 1991 this 1131 sqft home is easy maintenance has 3 bedrooms and 2 bathrooms one being a newly upgraded main bathroom. Three choices to heat...electric baseboard, ductless heatpump (also for air-conditioning), or cozy woodburning fireplace. Wired 10'x8' sqft Work shed/Garden shed/Storage shed on a nice sized landscaped 60x120 sqft lot with fenced yard for Children and Pets to play safely. Move in ready and quick possession!
3
Beds
1,131 ft²
Floor area
1991
Year built
Single Family
Type
Ladysmith
Area
Listed
July 2, 2026
Nearby & Commute
7 min
walk to Country Grocer
1h 31m
bike to Duke Point (Foot Access)
5h 2m
walk to Duke Point (Foot Access)
2h 26m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Detached · 46%
Pick the records that matter for this property. Relta inquires with the listing agent and strata on your behalf, then tells you what came back. Some documents cannot always be obtained.
Request the due-diligence package
Relta requests these from the listing agent and strata and follows up with what is available. Availability is not guaranteed. Review any documents with the appropriate professionals.
A clearer view of the monthly and upfront costs connected to this home.
Monthly ownership costs
Estimated monthly total
Calculated estimate
$3,270
Principal and interest
Calculated estimate
$2,937
Property tax
Calculated estimate
$183/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$634,900
Down payment
Calculated estimate
$126,980 (20%)
Estimated mortgage
Calculated estimate
$507,920
Estimates update with the mortgage controls below. They do not include utilities, maintenance, legal fees, or other closing costs.
Mortgage estimate
Metro averages
Est. monthly total
$3,270
/mo
Rate
%
Amortization
Principal and interest
$2,937
Property tax (est.)
$183
P&I
Tax
Down payment
$126,980 (20%)
Get Pre-Approved
Jessica specialises in residential financing across Greater Vancouver, helping buyers secure competitive rates and navigate complex purchases with clarity.
Jessica Kuan
Licensed Mortgage Broker
This is an estimate only and does not constitute financial advice or a mortgage offer. Based on $126,980 down (20%) on $634,900, Canadian semi-annual compounding. Property tax estimated at Greater Vancouver metro average. No strata fee on record for this listing. Home insurance, land transfer tax, and closing costs are not included. Consult a licensed mortgage professional for personalised advice. Mortgage professionals featured here are independent licensed brokers. Ray Rasouli may receive a referral fee if you choose to work with one. You are under no obligation to use any recommended provider. Full disclosure.
| Detached | 39 | 46.4% |
| Land | 20 | 23.8% |
| Townhouse | 11 | 13.1% |
| Condo / Apartment | 6 | 7.1% |
| Mobile home | 4 | 4.8% |
| Other | 4 | 4.8% |
| $20,000 to $24,999 | 10 | 3.6% |
| $25,000 to $29,999 | 10 | 3.6% |
| $30,000 to $34,999 | 5 | 1.8% |
| $35,000 to $39,999 | 10 | 3.6% |
| $40,000 to $44,999 | 10 | 3.6% |
| $45,000 to $49,999 | 10 | 3.6% |
| $50,000 to $59,999 | 25 | 9.1% |
| $60,000 to $69,999 | 25 | 9.1% |
| $70,000 to $79,999 | 20 | 7.3% |
| $80,000 to $89,999 | 20 | 7.3% |
| $90,000 to $99,999 | 20 | 7.3% |
| $100,000 to $124,999 | 30 | 10.9% |
| $125,000 to $149,999 | 35 | 12.7% |
| $150,000 to $199,999 | 30 | 10.9% |
| $200,000 and over | 15 | 5.5% |
In a mapped wildland-urban interface zone. Affects insurance and FireSmart requirements.
Based on where this point falls in provincial map layers, not a site survey or a formal hazard assessment. Confirm with the municipality, a professional, and your insurer before relying on it.
At 6.3292 per $1,000 of assessed value.
Estimated by applying the municipal rate to the asking price. Your actual bill is based on the BC Assessment value, which is set separately and usually differs from the sale price. Home owner grants are not included.
Variable mortgages are quoted against this.
Fixed mortgage pricing follows this.
Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
