- Active
#106 – 640 Michigan Street
Victoria · Single Family
- Beds
- 2
- Baths
- 2
- Sqft
- 901
- Built
- 2014
Listed by Engel & Volkers Vancouver Island · MLS® 1051703
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Sign inAbout this home
Welcome to the Duet, a quality built Chard Development in the heart of James Bay. This bright 900+ sq.ft. ground floor corner suite offers 2 bedrooms, 2 bathrooms and updated flooring throughout. Oversized windows fill the open concept living space with natural light, while the kitchen features quartz countertops, stainless steel appliances, ample storage, stone backsplash and an eating bar. The spacious living and dining areas extend onto a large covered patio, creating a seamless indoor-outdoor living space. The layout provides excellent separation between bedrooms, with a spacious primary suite featuring a walk-in shower and heated ensuite floors. Enjoy secure underground parking, separate storage, bike lockup, EV charging, dog wash, meeting room, playground and an impressive rooftop terrace with BBQ area and panoramic views. An exceptional James Bay location just steps from Beacon Hill Park, the Inner Harbour, downtown Victoria, shops, restaurants and everyday amenities.
Home facts
- Bedrooms
- 2
- Bathrooms
- 2 full
- Interior
- 901 sq ft
- Lot size
- 1,001 sq ft
- Year built
- 2014
- Parking
- 1
- Property type
- Single Family
- Garage
- Yes
- Area
- James Bay
- Style
- Contemporary
- Listed
- October 7, 2026
- Structure
- Apartment
- PID
- 029-434-882
- Common interest
- Condo/Strata
Highlights
- Rooftop deck
- EV charging
- Patio
- Underground parking
Features and inclusions
- Appliances
- Washer, Refrigerator, Dishwasher, Dryer
- Heating
- Baseboard heaters, Electric, Other
- Cooling
- None
- Parking
- Attached Garage, Underground
- Lot
- Private setting, Irregular lot size
- Community
- Family Oriented, Pets Allowed
Rooms and building
- Water
- Zoning
- Residential
The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy.
Monthly and upfront costs
Uses the posted 5-year rate (5.19%), 20% down and a 25-year amortization.
Monthly ownership costs
- Principal and interest
- $3,882
- Property tax
- $242/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $4,274
Purchase snapshot
- List price
- $819,000
- Down payment
- $163,800 (20%)
- Estimated mortgage
- $655,200
Estimates only. They leave out utilities, upkeep and closing costs.
Borrowing costs
What money costs right now
The rates behind any payment estimate on this page.
- Prime rate
- 4.45%
- Variable mortgages are quoted against this.
- 5 year bond yield
- 3.68%
- Fixed mortgage pricing follows this.
- Policy rate
- 2.25%
- Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Source: Bank of Canada. As of 2026-09-29
Property tax
What the tax bill looks like
Municipal, regional, hospital and school rates combined.
- Estimated annual tax
- $4,632
- At 5.6559 per $1,000 of assessed value.
Estimated by applying the municipal rate to the asking price. Your actual bill is based on the BC Assessment value, which is set separately and usually differs from the sale price. Home owner grants are not included.
Source: Province of British Columbia, Local Government Statistics Schedule 702, 2026. As of 2026-01-01
For investors
As a rental
- Estimated rent
- $1,500 a month
- Gross yield
- 2.2%
Estimated rent from Statistics Canada rents for this area, scaled to the bedrooms. Gross yield is 12 months of that rent over the asking price, before costs.
Neighbourhood
Estimated travel times. Map data © OpenStreetMap contributors.
Climate
What the weather is like in Victoria
Ten year average, 2016–2025.
- Average temperature
- 10.5°C
- Daily mean across the year.
- Yearly precipitation
- 863 mm
- On the drier side for BC.
- Yearly snowfall
- 39 cm
- Snow is the exception here.
- Bright sunshine
- 2,109 h
- Hours of sun a year, 1981–2010 average.
Averaged from the last ten complete years of Environment Canada observations at the nearest principal station, so it reflects the climate as it is now rather than a thirty year normal. Bright sunshine is the exception: it is no longer measured at these stations, so that figure is the long term average.
Source: Environment and Climate Change Canada, monthly climate summaries
Land and hazards
What the maps say about this land
Provincial designations and mapped natural hazards at this location.
- Wildfire interface
- Low risk
- 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.
Source: BC Geographic Warehouse (Agricultural Land Commission, BC Wildfire Service)
Most listed
Condo / Apartment · 65%
Who lives here
Documents
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Availability is not guaranteed. Review documents with a professional.
