Victoria · V8T1K3
$5,021/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
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*OPEN HOUSE SATURDAY 1:00-3:00* Full of character in the heart of Fernwood! This legal non-conforming duplex offers two distinct living spaces on a 4,668 sq. ft. lot in one of Victoria’s most loved neighbourhoods. The front residence offers 977 sq. ft. of finished living space over two levels, with a main-floor bedroom, 4-piece bathroom, eat-in kitchen and living room, plus a spacious upper loft currently used as an additional bedroom. Warm wood detailing and soaring ceilings give this side a wonderfully unique feel. The rear residence offers 844 sq. ft. of finished living space with one bedroom, a 4-piece bathroom, eat-in kitchen and generous living room. Step outside to a large deck and private backyard with plenty of room to garden, entertain or simply enjoy the outdoors. An additional unfinished 201 sq. ft. basement provides useful storage or workshop space, and the property also includes separate shed space. With its flexible layout, separate living spaces and unmistakable character, this is a unique opportunity for buyers looking for a home with a mortgage helper, multi-generational living or an investment property in sought-after Fernwood. A charming property with personality, privacy and plenty of potential, all just minutes from Fernwood Village and downtown Victoria.
2
Beds
1,821 ft²
Floor area
1909
Year built
Single Family
Type
Fernwood
Area
Listed
August 10, 2026
Nearby & Commute
14 min
walk to Save-On-Foods
9 min
bike to Swift Street Landing
30 min
walk to Swift Street Landing
3h 51m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Condo / Apartment · 59%
| Condo / Apartment | 346 | 58.9% |
| Detached | 136 | 23.2% |
| Townhouse | 66 | 11.2% |
| Land | 15 | 2.6% |
| Duplex | 12 | 2.0% |
| Other | 12 | 2.0% |
| $10,000 to $14,999 | 10 | 3.2% |
| $15,000 to $19,999 | 10 | 3.2% |
| $20,000 to $24,999 | 15 | 4.8% |
| $25,000 to $29,999 | 15 | 4.8% |
| $30,000 to $34,999 | 10 | 3.2% |
| $35,000 to $39,999 | 10 | 3.2% |
| $40,000 to $44,999 | 25 | 8.1% |
| $45,000 to $49,999 | 25 | 8.1% |
| $50,000 to $59,999 | 25 | 8.1% |
| $60,000 to $69,999 | 20 | 6.5% |
| $70,000 to $79,999 | 20 | 6.5% |
| $80,000 to $89,999 | 25 | 8.1% |
| $90,000 to $99,999 | 20 | 6.5% |
| $100,000 to $124,999 | 40 | 12.9% |
| $125,000 to $149,999 | 20 | 6.5% |
| $150,000 to $199,999 | 15 | 4.8% |
| $200,000 and over | 5 | 1.6% |
Pick the records that matter for this property. Relta inquires with the listing agent and strata on your behalf, then tells you what came back. Some documents cannot always be obtained.
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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
$5,021
Principal and interest
Calculated estimate
$4,579
Property tax
Calculated estimate
$292/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$989,999
Down payment
Calculated estimate
$198,000 (20%)
Estimated mortgage
Calculated estimate
$791,999
Estimates update with the mortgage controls below. They do not include utilities, maintenance, legal fees, or other closing costs.
Mortgage estimate
Metro averages
Est. monthly total
$5,021
/mo
Rate
%
Amortization
Principal and interest
$4,579
Property tax (est.)
$292
P&I
Tax
Down payment
$198,000 (20%)
Get Pre-Approved
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 $198,000 down (20%) on $989,999, Canadian semi-annual compounding. Property tax estimated at Greater Vancouver metro average. No strata fee on record for this 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.
Daily mean across the year.
On the drier side for BC.
Snow is the exception here.
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.
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.
At 5.2034 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.
Variable mortgages are quoted against this.
Fixed mortgage pricing follows this.
Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
