Property Type: Condo / ApartmentOwnership: Strata

103 38 Front St

Nanaimo, BC V9R0B8

$579,900

2 bed2 bath1 parking1,144 sqftBuilt 2006
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Property Details

Property & Lot

Sub-type
Apartment
Style
Contemporary
Lot size
1,144 square feet
Zoning
Multi-Family

DT5

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$611/mo
Annual property tax
$3,934

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Wall unit, Air Conditioned
Fireplace
Yes (1)

Exterior & Lot

Waterfront
Waterfront on ocean
Lot features
Other, Marine Oriented

Building

Parcel ID (PID)
027-901-076

Parking

Total spaces
1 — uncovered indicated
Features
Underground

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
EnsuiteSecond level5-Piece
Primary BedroomSecond level12'1 x 9'1
BathroomMain level2-Piece
BedroomMain level13'7 x 8'11
EntranceMain level10'4 x 7'7
Laundry roomMain level6'5 x 9'1
KitchenMain level13'6 x 12'11
Dining roomMain level11'9 x 7'10
Living roomMain level15'5 x 12'11

Listing Information

MLS®
1043307
Listed
July 14, 2026
Time on market
On the market for 48 days
Data last synced
September 1, 2026

Listing provided by: REMAX Professionals (NA) · Data source: CREA DDF.

Description

Experience sophisticated waterfront living at The Pacifica, Nanaimo's premier downtown waterfront residence. This stylish and well-maintained 1,144 sq. ft. townhome offers a unique multi-level design featuring soaring 14-foot ceilings, beautiful maple flooring, and an open-concept living space with a cozy gas fireplace. The contemporary kitchen is equipped with granite countertops, a large island, stainless steel appliances, and a gas range, making it ideal for both everyday living and entertaining. A versatile lower-level flex room with a closet provides the perfect space for a guest room, home office, or second bedroom, while a convenient powder room and in-suite laundry complete the level. Upstairs, the loft-style primary bedroom features a walk-in closet and a five-piece ensuite, creating a bright and private retreat. Enjoy your private patio overlooking Front Street and take advantage of Pacifica's pet-friendly amenities, including secure underground parking, a storage locker, and strata fees that include gas and hot water. Located in the heart of downtown Nanaimo, just steps from the seawall, restaurants, cafés, boutique shopping, the Port Theatre, and waterfront parks, this exceptional home also offers convenient access to Vancouver via Hullo Ferry, Harbour Air seaplanes, and Helijet. All measurements are approximate and should be verified if important. (id:63159)

Values & Trends

This listing

$507/sqft

Building average

$692/sqft

5 active listing(s)

Old City average

$556/sqft

30 active listing(s)

Parking: 1 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Partly Cloudy

15°C

Partly Cloudy

Humidity 85%

Wind N 2 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

99,863

(2021 Census)

+10.3% since 2016

Density: 1,104.1/km²

Dwellings: 45,138

Median household income: $75,500

After-tax: $68,500

Immigrant population: 16.1%

Top countries of origin (% of total population)

  • United Kingdom3.5% · 3,495
  • China1.3% · 1,285
  • United States of America1.2% · 1,155
  • India1.1% · 1,075
  • Philippines1% · 1,040
  • Germany0.6% · 635
  • Korea, South0.5% · 470
  • Viet Nam0.5% · 455

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

67

8/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Pauline Haarer ElementaryElementary441 m
Fairview ElementaryElementary1.4 km
Brechin ElementaryElementary1.6 km
Bayview ElementaryElementary1.8 km
Georgia Avenue ElementaryElementary2.0 km
Secondaire de NanaimoSecondary2.0 km
Nanaimo District SecondarySecondary2.0 km
John Barsby SecondarySecondary2.6 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Restaurants (5+)

  • The Firehouse Grill · 75 Front Street52 m
  • Lighthouse Bistro & Pub · 50 Anchor Way95 m
  • Embers Wine & Charcuterie Cellar114 m
  • The View Oceanside Grill · 70 Church Street116 m
  • Top Notch Burgers137 m

Cafes (5+)

  • Tea on the Quay · 90 Front Street138 m
  • Javawocky Coffee House180 m
  • Modern Café · 221 Commercial Street206 m
  • Ironworks Café & Crêperie · 200 Commercial Street221 m
  • Gabriel's Gourmet Cafe · 39 Commercial Street406 m

Grocery (3)

  • The Green Store: Discount Organic · 256 Wallace Street369 m
  • ManLee Oriental · 385 Terminal Avenue427 m
  • Thrifty Foods · 650 Terminal Avenue538 m

Parks (5+)

  • Dallas Square Park · 85 Front Street82 m
  • Catherine Gisborne Garden104 m
  • Georgia Park125 m
  • Anchor Way Park · 20 Anchor Way139 m
  • Bastion Square Park · 94 Front Street192 m

Shopping (2)

  • Port Place Shopping Centre · 650 Terminal Avenue538 m
  • London Drugs · 650 Terminal Avenue552 m

Gyms (3)

  • Kind Society Yoga219 m
  • Force Boxing & Fitness · 165 Fraser Street287 m
  • Iyengar Yoga Nanaimo · 335 Wesley Street554 m

Pharmacies (2)

  • Wallace Pharmacy335 m
  • Central Drugs657 m

Banks & ATMs (5+)

  • Royal Bank of Canada · 205 Commercial Street253 m
  • Coastal Community Credit Union · 59 Wharf Street322 m
  • Scotiabank · 65 Commercial Street382 m
  • Scotiabank · 65 Commercial Street384 m
  • CIBC · 650 Terminal Avenue502 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 5.7% ($32,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$463,920.00
Periodic payment — Principal & Interest (monthly)$2,993.05
Additional monthly expenses (strata, tax, utilities, etc.)$995.83
Total monthly cost$3,988.89
Interest paid over 5-yr term$132,960.81
Balance at end of term$417,297.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$32,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,205.55

Cash Needed at Closing

Minimum down payment$32,990
Estimated BC PTT$9,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,088

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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