Property Type: Condo / ApartmentOwnership: Strata

104 1580 Christmas Ave

Saanich, BC V8P2X2

$445,000

2 bed2 bath1 parking850 sqftBuilt 1996
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Property Details

Property & Lot

Sub-type
Apartment
Lot size
915 square feet
Zoning
Residential

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$747/mo
Annual property tax
$2,316

Interior

Heating
Baseboard heaters, Electric, Natural gas
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Total spaces
1

Restrictions & Policies

Pets
Not allowed

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

Room Dimensions

RoomLevelDimensions
OtherMain level6' x 10'
EnsuiteMain level4-Piece
BedroomMain level9' x 11'
BathroomMain level4-Piece
Primary BedroomMain level11' x 12'
KitchenMain level11' x 13'
Dining roomMain level5' x 7'
Living roomMain level11' x 11'

Listing Information

MLS®
1034117
Listed
May 21, 2026
Time on market
On the market for 103 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes Ltd. - Oak Bay · Data source: CREA DDF.

Description

Welcome to this functional and well-located 2 bed, 2 bath ground-floor condo offering approximately 900 sq ft of comfortable living space. Features include a bright kitchen with breakfast nook, spacious primary bedroom with ensuite, in-suite laundry, gas fireplace, and a private covered patio on the south-west corner. Secure underground parking included. Ideally situated in the sought-after University area, just minutes to UVic, Camosun College, Hillside and University Heights Shopping Centres, theatres, cafés, restaurants, Cedar Hill Golf Course, parks, grocery stores, transit, and everyday amenities. Rentals, and children welcome. A fantastic opportunity offering comfort, convenience, and excellent value in today’s market. (id:63159)

Values & Trends

This listing

$524/sqft

Building average

$616/sqft

1 active listing(s)

Mt Tolmie average

$529/sqft

8 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

Nearest station: Victoria (University of)

13°C

Humidity 83%

Wind WNW 2 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

117,735

(2021 Census)

+3.1% since 2016

Density: 1,136.5/km²

Dwellings: 50,064

Median household income: $93,000

After-tax: $83,000

Immigrant population: 22.5%

Top countries of origin (% of total population)

  • China3.5% · 4,110
  • United Kingdom3.2% · 3,760
  • India2.3% · 2,650
  • Philippines1.7% · 1,995
  • United States of America1.4% · 1,655
  • Germany0.6% · 730
  • Hong Kong0.6% · 720
  • Viet Nam0.5% · 540

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

67

7/9 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
Cedar Hill MiddleElementary522 m
Doncaster ElementaryElementary832 m
Campus View ElementaryElementary835 m
Braefoot ElementaryElementary1.2 km
St. Michaels University School(Independent)K-121.3 km
Mount Douglas SecondarySecondary1.4 km
Maria Montessori Academy(Independent)Elementary1.6 km
Lambrick Park SecondarySecondary1.8 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+)

  • Unnamed118 m
  • The Rack Bistro · 1550 Cedar Hill Cross Road175 m
  • Laila Laila Hotpot · 1546 Cedar Hill Cross Road182 m
  • Fig Delicatessen · 1551 Cedar Hill Cross Road249 m
  • Heart of Asia269 m

Cafes (5+)

  • Ding Tea · 3749 Shelbourne Street114 m
  • Noodle Box132 m
  • Phonomenal169 m
  • Tim Hortons · 3749 Shelbourne Street179 m
  • Starbucks296 m

Grocery (5+)

  • SaanniSunny Asian Market · 1551 Cedar Hill Cross Road236 m
  • Fairway Market Shelbourne Plaza · 3651 Shelbourne Street326 m
  • Bulk Barn · 3609 Shelbourne Street467 m
  • Fairway Market McKenzie · 1521 McKenzie Avenue584 m
  • Thrifty Foods · 1626 McKenzie Avenue661 m

Parks (5+)

  • Gore-Peace Memorial Park268 m
  • Rendle Green374 m
  • Horner Park410 m
  • Onyx Park541 m
  • Rowan Park661 m

Shopping (2)

  • Shelbourne Village Square · 3749 Shelbourne Street147 m
  • Shelbourne Plaza358 m

Pharmacies (2)

  • Heart Pharmacy IDA · 3643 Shelbourne Street373 m
  • Rexall714 m

Banks & ATMs (5+)

  • Coast Capital Savings · 3750 Shelbourne Street152 m
  • Vancity · 1590 Cedar Hill Cross Road207 m
  • TD · 3675 Shelbourne Street245 m
  • BMO · 3616 Shelbourne Street453 m
  • RBC673 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Other Listings in This Building

Other units currently listed in the same building. 104 1580 Christmas Ave

View building profile →
Built 1996

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($22,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$356,000.00
Periodic payment — Principal & Interest (monthly)$2,296.79
Additional monthly expenses (strata, tax, utilities, etc.)$983.00
Total monthly cost$3,279.79
Interest paid over 5-yr term$102,030.62
Balance at end of term$320,223.15

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$22,250
Stress test qualifying rate8.09%
Payment you must qualify for$3,250.80

Cash Needed at Closing

Minimum down payment$22,250
Estimated BC PTT$6,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,650

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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