Salt Spring · V8K1P7
$3,325/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
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Nestled on the peaceful shore of Bullock Lake, this half-duplex is located at The Cottages on Salt Spring Island. Located just a four min drive or 20 min walk from the heart of Ganges Village, this bright lakefront duplex perfectly blends island convenience with total tranquility. With turn-key perfection and being sold completely furnished, this 2-bedroom, 2.5-bath home is move-in ready. The inviting main living area features warm hardwood floors that flow seamlessly into a spacious kitchen. There is a private covered deck or the private lower-level patio—both offering serene lake views. Whether you’re relaxing at the common dock or utilizing the professional rental management program to maximize revenue when you're away, this home is designed for enjoyment and easy access to local amenities. Don’t miss your chance to secure a property in one of the Gulf Islands' most beautiful locations.
2
Beds
1,179 ft²
Floor area
1997
Year built
Single Family
Type
Salt Spring
Area
Listed
May 4, 2026
$659,000 is 36.1% below the Lower Mainland Composite HPI benchmark of $1,031,500 (2026-04-01).
Nearby & Commute
25 min
walk to Country Grocer
1h 21m
bike to Alderlea Station
4h 29m
walk to Alderlea Station
2h 9m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Detached · 42%
| Detached | 23 | 41.8% |
| Land | 15 | 27.3% |
| Townhouse | 12 | 21.8% |
| Other | 4 | 7.3% |
| Mobile home | 1 | 1.8% |
| 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
$3,325
Principal and interest
Calculated estimate
$2,983
Property tax
Calculated estimate
$192/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$645,000
Down payment
Calculated estimate
$129,000 (20%)
Estimated mortgage
Calculated estimate
$516,000
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
$3,325
/mo
Rate
%
Amortization
Principal and interest
$2,983
Property tax (est.)
$192
P&I
Tax
Down payment
$129,000 (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 $129,000 down (20%) on $645,000, 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.
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.
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.
