Salt Spring · V8K1S7
$14,414/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
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Harbour Farm is one of Ganges' original farms: 17.46 acres held across three separate titles and now offered together for the first time. Rising above Ganges Harbour beside the celebrated Hastings House estate, it offers something Salt Spring can no longer create — a genuine working farm where the village's shops, marina and galleries are still a short stroll away. The land itself tells the story. Sun-washed hayfields and fenced pasture roll up from the village edge, while greenhouses and planting plots anchor the western fields. A pond, mature forest and rocky outcrops frame the rest. From the upper elevations, ocean, harbour and island views open in every direction, with building sites to capture them. At the heart of the offering is the 12.06-acre farm at 151 Upper Ganges Road, with greenhouses and planting plots on its western side. 203 Howell Lane adds 4.63 treed acres with a small cleared section, while 265 Lower Ganges Road contributes 0.77 acres of R6-zoned residential land outside the ALR. This parcel carries the three-bed, two-bath main residence and provides the estate's main access, with a second entrance from Upper Ganges Road. Accommodation extends well beyond the main home. Two bunkhouse cabins are joined by a third housing a four-piece bathroom, while a workshop cabin and a covered outdoor kitchen and laundry keep the property ready for extended family, farm help or agritourism. Services are already in place, including municipal water supplemented by established wells, septic, and farm-class taxes on the main parcel. Holding three separate titles gives a buyer flexibility no single-lot estate can match: occupy, farm, lease or hold, with future options kept open by the non-ALR parcel. Village-adjacent acreages of this scale, with these views, cannot be assembled again on Salt Spring. Come walk the land and you will understand why it is called Harbour Farm.
5
Beds
1996
Year built
Vacant Land
Type
Salt Spring
Area
Listed
July 30, 2026
Nearby & Commute
9 min
walk to Country Grocer
1h 18m
bike to Alderlea Station
4h 21m
walk to Alderlea Station
2h 12m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Land · 36%
| Land | 19 | 35.8% |
| Detached | 17 | 32.1% |
| Townhouse | 13 | 24.5% |
| Other | 2 | 3.8% |
| Duplex | 1 | 1.9% |
| Other | 1 | 1.9% |
| Under $5,000 | 5 | 1.0% |
| $15,000 to $19,999 | 10 | 2.0% |
| $20,000 to $24,999 | 65 | 13.1% |
| $25,000 to $29,999 | 35 | 7.1% |
| $30,000 to $34,999 | 30 | 6.1% |
| $35,000 to $39,999 | 25 | 5.1% |
| $40,000 to $44,999 | 30 | 6.1% |
| $45,000 to $49,999 | 30 | 6.1% |
| $50,000 to $59,999 | 40 | 8.1% |
| $60,000 to $69,999 | 40 | 8.1% |
| $70,000 to $79,999 | 35 | 7.1% |
| $80,000 to $89,999 | 20 | 4.0% |
| $90,000 to $99,999 | 20 | 4.0% |
| $100,000 to $124,999 | 35 | 7.1% |
| $125,000 to $149,999 | 25 | 5.1% |
| $150,000 to $199,999 | 30 | 6.1% |
| $200,000 and over | 20 | 4.0% |
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A clearer view of the monthly and upfront costs connected to this home.
Monthly ownership costs
Estimated monthly total
Calculated estimate
$14,414
Principal and interest
Calculated estimate
$13,414
Property tax
Calculated estimate
$850/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$2,900,000
Down payment
Calculated estimate
$580,000 (20%)
Estimated mortgage
Calculated estimate
$2,320,000
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
$14,414
/mo
Rate
%
Amortization
Principal and interest
$13,414
Property tax (est.)
$850
P&I
Tax
Down payment
$580,000 (20%)
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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 $580,000 down (20%) on $2,900,000, 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.
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.
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.
