Top 10 Questions Every Quadra Island Buyer Must Ask Before Making an Offer in 2026

Spring 2026 is heating up fast in the Discovery Islands. Inventory is still tight, good properties are moving quickly, and more buyers are crossing the ferry every week.

But island real estate is not the same as buying in Vancouver or Victoria. A beautiful view can hide expensive surprises: failing septic systems, low-yield wells, unpermitted additions, zoning restrictions, or insurance nightmares.

Asking the right questions before you write an offer is the single biggest thing you can do to protect your money and your peace of mind.

Here are the 10 most important questions I ask on behalf of every buyer I represent — and that you should ask too.

1. When was the septic system last inspected and pumped?

Most homes on Quadra and many in rural Campbell River are on private septic.

• Ask for the most recent inspection report (ideally within 12 months).

• If it’s older than 2–3 years, insist on a current inspection before removing subjects.

• Replacement cost: $25,000–$50,000 depending on type and soil conditions.

2. Has the well been flow-tested and water quality tested recently?

• Minimum reliable flow: 3 GPM (gallons per minute) sustained for most lenders.

• Request recent flow test results and potability report (bacteria, nitrates, arsenic).

• Drilling a new well or upgrading storage can easily cost $10,000–$25,000.

3. Are there any unpermitted additions, suites, or outbuildings?

Unpermitted work is very common in rural areas — decks, cabins, garages, secondary suites.

• Ask for copies of all building permits.

• Retroactive permits are possible but expensive and time-consuming.

4. What is the current zoning and can I add a secondary dwelling or suite?

Many lots are zoned for two dwellings (check Strathcona Regional District or Campbell River bylaws).

• Confirm whether a suite is already legal or would require rezoning/variance.

• Huge value-add potential in 2026 rental/income markets.

5. How reliable is ferry access and what happens during winter storms?

• Ask locals about actual wait times, cancellations, and overloads.

• If you commute to Campbell River or Courtenay, calculate real travel time.

• Consider backup plans (boat, floatplane, extended stays).

6. What are the current home insurance costs and any known restrictions?

• Ask if the property has flood/fire/wildfire risk notations.

• Insurance companies may need a WETT certification for your wood stove. 

• Get quotes before removing subjects — some insurers won’t cover older homes or high-risk zones.

7. How reliable is internet, cell service, and power in this specific location?

• Starlink is now common, but not everywhere.

• Ask about actual upload/download speeds and outages.

• Power reliability varies — many buyers add generators after the first winter storm.

8. Are there any neighbour disputes, easements, or community issues I should know about?

Fences, driveways, water rights, shared roads, barking dogs, short-term rentals next door.

• A quick chat with neighbours can reveal a lot.

9. What are the most recent comparable sales and is the asking price justified?

• Ask for sold comps within the last 6–12 months (not just active listings).

• Local agents have access to detailed VIREB data — use it.

10. What is the realistic closing timeline and moving logistics?

• Ferry schedule during peak hours and busy tourist season for movers can fill up fast.

• Ask about utility transfer timelines and any seasonal restrictions.

Bonus: My Personal Top 3 Questions I Always Ask for Clients

1. “Can you show me the last three years of utility bills?”

2. “Have there been any insurance claims in the last 5 years?”

3. “Would the seller be open to a longer subject removal period for inspections?”

Download Your Free “10 Questions Checklist” PDF

I’ve put all 10 questions (plus bonus notes and space for your answers) into a simple printable PDF.

Download Free Checklist → (Form: Name + Email → instant download)

Ready to Ask These Questions With Confidence?

You don’t have to figure this out alone. I ask these exact questions (and many more) for every buyer I represent — and I know exactly who to call for inspections, quotes, and answers.

If you’re seriously considering a property on Quadra Island or in Campbell River in 2026, let’s talk.

Call/text me anytime: 604-787-4594 Email: contact@romansellshomes.ca

I’m here to help you buy smarter — not just buy faster.

— Roman Krzaczek REALTOR® | Quadra Island Resident