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Investment signal

$1,125,000

99 Garner Rd

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Beds

Baths

Sqft

—

Year

1984

Type

Single Family

Suite

Suite potential

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Location nearby

Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Salt Spring. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.

About this home

Welcome to a masterfully curated retreat where architectural design meets rural tranquility. 3.73 acres of diverse terrain, blending fertile, sun-drenched garden plots with serene forested areas. This south-facing, 3-bedroom, 3-bathroom residence is a sanctuary of clean lines and character, bathed in natural sunlight. The thoughtfully designed main level features a spacious primary suite, a private den/gym, and an open-concept living and dining area perfect for hosting. At the heart of the home, the kitchen flows seamlessly into the living spaces, while the upper floor offers two additional large bedrooms and a full bath, providing a perfect layout for family life or guests. Experience peace of mind with a durable metal roof, beautiful oak flooring, and a solar power system for eco-conscious living. Current zoning allows for the addition of a guest cottage and further outbuildings, offering incredible potential for a multi-generational estate or rental income. (id:65958)

Subtype: Single Family
Architectural style: Westcoast
Structure: House
Community: Salt Spring
Common interest: Freehold
Living area: 2,344 square feet
Lot size: 3.73 acres
Lot dimensions: 3.73
Parking: 3 total
Fireplace: 1
On market: Apr 21, 2026
Status changed: Apr 25, 2026
Annual tax: $4,605
Zoning: Residential
Photos: 65
MLS#: 1028631
Area: SALT_SPRING

Features and systems

Parking

Stall

Heating

Baseboard heatersElectricSolarWood

Cooling

None

Lot

Private settingIrregular lot size

Negative cash flow ~$1,218/mo at these assumptions

Monthly rent (CAD)Adjust to your local market estimateDown payment (%)Investment props typically 20-25%Mortgage rate (% annual)Default 4.5% — adjust to your rate holdAmortization (years)

Cash on cash

-6.50%

Cap rate

3.56%

GRM

16.7

Break-even rent

$6,907

Financing

Down payment$225,000

Loan amount$900,000

Mortgage$4,560/mo

Operating expenses (monthly)

Property tax(est. 0.55%/yr (AB avg))$516

Insurance$80

Maintenance$938

CapEx reserve$469

Vacancy loss$281

Estimates only. Actual cash flow depends on financing terms, condition reports, current market rents, property tax assessment, condo fees, and tenant quality. Defaults: 4.5% rate, 30-year amortization, 5% vacancy, 1%/yr maintenance, 0.5%/yr CapEx reserve, $80/mo insurance. Property tax estimated at 0.55%/yr where not provided. Talk to a mortgage broker before relying on these numbers.

Mortgage estimate

Estimated $4,560/mo at 4.5% with 20% down, 30-yr amortization.Estimate only — actual payment varies by qualification + insurance.

Listing brokerage

Listing brokerage on file

Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated Apr 25, 2026.