#101 – 640 Montreal Street
Victoria · V8V1Z8
$4,212/mo

Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Victoria · V8V1Z8
$4,212/mo

Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
Book now
James Bay Gem!! Some homes simply feel different the moment you walk through the door, and this beautifully renovated residence is one of them. Bathed in natural light, this sophisticated one-bedroom plus den home has been thoughtfully redesigned to maximize both comfort and its beautiful Inner Harbour outlook. A newly created sitting area provides the perfect place to relax with a morning coffee, read a book or simply watch the activity on the water. The stunning custom kitchen is truly the heart of the home, featuring extensive upgrades, quality cabinetry, generous workspace and an open design that flows effortlessly into the spacious dining and living areas. Engineered wood floors add warmth and elegance throughout. The spacious primary bedroom offers a peaceful retreat, complete with a walk-through closet with laundry leading into the beautifully renovated bathroom, creating the feel of a luxurious private suite. Outside, your private patio is ideal for gardening, entertaining or simply enjoying the fresh ocean air. Dog owners will especially appreciate the direct walk-out access to the Inner Harbour waterfront pathway—perfect for daily strolls without ever needing an elevator. This sought-after waterfront community also offers its own private marina, making it easy to keep your boat close to home (subject to availability). Secure parking and storage add everyday convenience, while privacy landscaping enhancement will further beautify the outdoor setting. From your front door, enjoy one of Victoria's most desirable neighbourhoods. Walk to Fisherman's Wharf for fresh seafood, downtown's shops and restaurants, the Dallas Road waterfront, Ogden Point, Beacon Hill Park, theatres, cafés and countless waterfront paths. This is more than a beautifully renovated condominium—it's a relaxed coastal lifestyle in the heart of James Bay.
1
Beds
1 full
Baths
958 ft²
Floor area
960 ft²
Lot size
1981
Year built
1
Parking
$760/mo
Strata fee
$3,609/yr
Gross tax
Single Family
Type
1
Fireplace
James Bay
Area
Listed
July 9, 2026
Structure
Apartment
PID
000-844-888
Property highlights
Ocean view
Waterfront
City view
Patio
Underground parking
Features & inclusions
Appliances
Washer, Range - Electric, Dishwasher, Dryer, Microwave
Heating
Baseboard heaters, Natural gas
Cooling
None
Lot
Central location, Other, Moorage
Community
Family Oriented, Pets Allowed With Restrictions
Common interest
Condo/Strata
Nearby & Commute
12 min
walk to Red Barn Market
1 min
bike to Coast Hotel
2 min
walk to Coast Hotel
3h 54m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Condo / Apartment · 67%
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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
$4,212
Principal and interest
Calculated estimate
$3,002
Property tax
Listing data
$301/mo
Strata fee
Listing data
$760/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$649,000
Down payment
Calculated estimate
$129,800 (20%)
Estimated mortgage
Calculated estimate
$519,200
Estimates update with the mortgage controls below. They do not include utilities, maintenance, legal fees, or other closing costs.
Mortgage estimate
Using listing data
Est. monthly total
$4,212
/mo
Rate
%
Amortization
Principal and interest
$3,002
Property tax
$301
Strata fee
$760
P&I
Tax
Strata
Down payment
$129,800 (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 $129,800 down (20%) on $649,000, Canadian semi-annual compounding. Property tax sourced from listing. Strata fee sourced from 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.
| Condo / Apartment | 402 | 67.3% |
| Detached | 94 | 15.7% |
| Townhouse | 61 | 10.2% |
| Duplex | 18 | 3.0% |
| Land | 10 | 1.7% |
| Other | 12 | 2.0% |
| Under $5,000 | 10 | 1.4% |
| $10,000 to $14,999 | 10 | 1.4% |
| $15,000 to $19,999 | 15 | 2.1% |
| $20,000 to $24,999 | 30 | 4.2% |
| $25,000 to $29,999 | 25 | 3.5% |
| $30,000 to $34,999 | 30 | 4.2% |
| $35,000 to $39,999 | 35 | 4.9% |
| $40,000 to $44,999 | 25 | 3.5% |
| $45,000 to $49,999 | 25 | 3.5% |
| $50,000 to $59,999 | 65 | 9.0% |
| $60,000 to $69,999 | 55 | 7.6% |
| $70,000 to $79,999 | 60 | 8.3% |
| $80,000 to $89,999 | 40 | 5.6% |
| $90,000 to $99,999 | 35 | 4.9% |
| $100,000 to $124,999 | 80 | 11.1% |
| $125,000 to $149,999 | 60 | 8.3% |
| $150,000 to $199,999 | 65 | 9.0% |
| $200,000 and over | 55 | 7.6% |