4643 Gail Cres

Courtenay North, Courtenay · MLS® 1052578

322

1,334 sq ft · 14,026 sq ft lot · House · Single Family · built 1991 · 11 days on market

listed by Jen Bood, eXp Realty (CX)

realtor's description

Set on a generous 0.32-acre lot in desirable Courtenay North, this versatile bi-level home offers nearly 2,000 sq ft of total space just minutes from town. The main level features a bright living room, updated kitchen (2017), dining area, 2 bedrooms, and a full 4-piece bath. The lower level includes additional space with a family/rec room, third bedroom, den, laundry area, and 2-piece bath, offering flexibility for a variety of living arrangements. Roof replaced in 2017. Enjoy the sunny backyard, rear deck, municipal water, and peaceful semi-rural setting close to parks, recreation, and all amenities.

property details

type: House, Single Family
bedrooms: 3
bathrooms: 2
living area: 1,334 sq ft
lot: 14,026 sq ft
parking: 2
year built: 1991
property tax: $3,192 / yr
days on market: 11
MLS®: 1052578

the market here

listed now: 53 days; median for 135 houses for sale; this one 11 days

Houses in Courtenay. Sale prices register 1 to 3 months after a sale closes.

property tax by year

year	assessed	est. tax
2026	$724,000	$3,916

The listing shows $3,192 a year in property tax.

Estimate: the BC Assessment value times Courtenay's residential tax rate for that year (Province of BC, local government statistics). Leaves out the home owner grant, parcel taxes and utility charges; the city's tax notice is the real figure.

monthly cost

$3,210/mo

Mortgage $2,944 · Tax $266

20% down at 4.44% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$2,944/ monthly

loan $535,200

25-year amortization

down payment20% · $133,80020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 30, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $348,108
property transfer tax: $11,380; BC general rate
cash to close: $145,180; down + PTT
total paid: $883,308

first-time buyernewly built

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer. Transfer tax: 1% to $200k, 2% to $2M, 3% to $3M, 5% above. First-time buyers pay nothing on the first $500k for homes up to $835k (phasing out by $860k); newly built homes are exempt up to $1.1M (phasing out by $1.15M). Both need Canadian citizenship or permanent residence and other conditions; the 20% foreign buyer tax applies in Metro Vancouver, the Fraser Valley, the Capital Region, Central Okanagan and Nanaimo.

location

lot outline: 1,192 m² (12,831 sq ft) · PID 003-293-980. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

Courtenay North, CourtenayGoogle Maps ↗

schools

Catchment schools, Comox Valley School District 71

Elementary Huband Park Elementaryhomes in this catchment
1000 m away · 5120 Mottishaw Rd, Courtenay · 250-338-6596
Secondary George P. Vanier Secondaryhomes in this catchment

From the Comox Valley School District 71's published catchment maps. A catchment gives priority, not a guaranteed seat, and French immersion and choice programs work differently. The district confirms catchment: check with its school locator.

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