- Active
#303 – 640 Michigan Street
Victoria · Single Family
- Beds
- 1
- Baths
- 1
- Sqft
- 716
- Built
- 2014
Listed by RE/MAX Camosun · MLS® 1047053
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Sign inAbout this home
Downtown is your playground at unit 303 in The Duet! An unmatched location in the heart of James Bay, your unit is steps from Beacon Hill Park, the Royal BC Museum, the Inner Harbour and countless retail and restaurant options to explore. This bright 1-bedroom condo boasts a sleek modern kitchen with stainless steel appliances and a peninsula breakfast bar that transitions seamlessly into the open living space. A 4-piece bathroom with soaker tub awaits just past your walk-through closet off the bedroom. Enjoy your morning coffee as you take in the stunning Island sunrise on your West-facing balcony. This like-new unit welcomes your personal touches. In-suite laundry, secure underground parking, bike storage, and additional personal storage locker seal the deal. The Duet is a pet-friendly building that welcomes rentals and boasts a communal rooftop patio with BBQ access and a lovely semi-private courtyard featuring lush Akebono cherry trees. Book your viewing today!
Home facts
- Bedrooms
- 1
- Bathrooms
- 1 full
- Interior
- 716 sq ft
- Lot size
- 717 sq ft
- Year built
- 2014
- Parking
- 1
- Property type
- Single Family
- Area
- James Bay
- Listed
- August 19, 2026
- Structure
- Apartment
- PID
- 029-434-998
- Common interest
- Condo/Strata
Highlights
- Rooftop deck
- Balcony
- In-suite laundry
- Patio
- Underground parking
- Storage locker
Features and inclusions
- Appliances
- Washer, Refrigerator, Dishwasher, Dryer
- Heating
- Baseboard heaters, Electric
- Cooling
- None
- Parking
- Underground
- Lot
- Rectangular
- Community
- Family Oriented, Pets Allowed With Restrictions
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
- $3,199
- Property tax
- $200/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $3,549
Purchase snapshot
- List price
- $674,900
- Down payment
- $134,980 (20%)
- Estimated mortgage
- $539,920
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
- $3,817
- 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
- $1,170 a month
- Gross yield
- 2.1%
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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