- Active
#117 – 409 Swift Street
Victoria · Single Family
- Beds
- 1
- Baths
- 1
- Sqft
- 628
- Built
- 2000
Listed by RE/MAX Camosun · MLS® 1043002
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Sign inAbout this home
Open House Saturday September 26th 12-1pm! Rare walk out patio at Mermaid Wharf, one of Old Town Victoria’s best waterfront condos. This thoughtfully designed 1-bedroom, 1-bathroom condo offers a bright open-concept layout with floor-to-ceiling windows, abundant natural light, and a private north-facing patio with water views. Access your condo from your secured patio for easy walks into town without elevators and common areas. The inviting living area features a gas fireplace and a new Murphy bed, blending comfort and functionality. In-suite laundry adds convenience. Enjoy secure underground parking, a separate storage locker, bike and kayak storage, plus a private kayak dock. Take in stunning views from the rooftop patio with BBQ facilities, perfect for relaxing or entertaining. With no rental or pet restrictions, this versatile home is ideal for homeowners, investors, or those seeking a vibrant downtown lifestyle. Steps to restaurants, galleries, shops, and the Inner Harbour.
Home facts
- Bedrooms
- 1
- Bathrooms
- 1 full
- Interior
- 628 sq ft
- Lot size
- 871 sq ft
- Year built
- 2000
- Parking
- 1
- Property type
- Single Family
- Garage
- Yes
- Fireplace
- 1
- Area
- Downtown
- Style
- Westcoast
- Listed
- July 16, 2026
- Structure
- Apartment
- PID
- 024-702-811
- Common interest
- Condo/Strata
Highlights
- Mountain view
- Waterfront
- City view
- Rooftop deck
- In-suite laundry
- Patio
Features and inclusions
- Appliances
- Washer, Refrigerator, Dishwasher, Stove, Dryer, Microwave, Garburator
- Heating
- Natural gas
- Cooling
- None
- Parking
- Attached Garage, Underground, Visitor Parking
- Lot
- Other
- Community
- Family Oriented, Pets Allowed
Rooms and building
- Water
- Zoning
- Multi-Family
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
- $2,033
- Property tax
- $125/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $2,308
Purchase snapshot
- List price
- $428,950
- Down payment
- $85,790 (20%)
- Estimated mortgage
- $343,160
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
- $2,426
- 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
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 · 62%
Who lives here
Documents
Pick the records you want. Ray Rasouli will email what the listing brokerage shares.
Availability is not guaranteed. Review documents with a professional.
