Property Type: Detached HouseOwnership: Freehold

1043 St. Patrick St

Oak Bay, BC V8S4Y2

$3,175,000

5 bed5 bath4 parking4,166 sqftBuilt 1913
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Property Details

Property & Lot

Sub-type
House
Lot size
6,740 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$12,607

Interior

Heating
Hot Water, Other
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
BathroomLower level2-Piece
Primary BedroomSecond level15'4 x 16'1
BathroomLower level3-Piece
Laundry roomLower level7'5 x 9'9
Mud roomLower level9'6 x 11'5
OfficeLower level6'7 x 9'10
BedroomLower level10'4 x 10'5
BedroomLower level9'5 x 9'11
DenLower level12'5 x 17'5
Recreation roomLower level14'1 x 16'8
LoftThird level19'10 x 19'11
BathroomSecond level3-Piece
BedroomSecond level12'1 x 11'10
BedroomSecond level12'1 x 14'6
EnsuiteSecond level4-Piece
BathroomMain level2-Piece
KitchenMain level16'3 x 16'9
Family roomMain level12'10 x 17'2
Dining roomMain level13'2 x 13'5
Living roomMain level14'7 x 17'10
EntranceMain level11'11 x 12'7

Listing Information

MLS®
1043040
Listed
July 13, 2026
Time on market
On the market for 49 days
Data last synced
August 28, 2026

Listing provided by: Newport Realty Ltd. · Data source: CREA DDF.

Description

One of Oak Bay’s finest ARTS AND CRAFTS character homes built in 1913, steeped in history, beautifully maintained and updated by a master craftsman. Positioned on a quiet, tree-lined street within the very heart of South Oak Bay. The residence is beautifully framed within the streetscape as the front entryway borders the mature landscaping and perennial gardens. A large entry hall invites you into the spacious principal rooms overflowing with character. Features include inlaid oak flooring, coffered ceilings, wainscotting, bay windows and lovely, original stained and leaded glass. The bright, spacious, modern kitchen fits with the grand character. Upstairs are three corner bedrooms and two bathrooms, the principal bedroom features a walk-in closet and modern ensuite. A sky-lit upper loft is made for an exercise room or child’s play area. The full height lower floor includes a separate two-bedroom guest suite, spacious den and office with a separate entrance from the back garden. (id:63159)

Values & Trends

This listing

$762/sqft

Building average

No other active listings in this building

South Oak Bay average

$913/sqft

23 active listing(s)

Parking: 4 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: Gonzales Point

15°C

Humidity 76%

Wind W 10 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

17,990

(2021 Census)

-0.6% since 2016

Density: 1,710.1/km²

Dwellings: 8,168

Median household income: $107,000

After-tax: $93,000

Immigrant population: 21.9%

Top countries of origin (% of total population)

  • United Kingdom7% · 1,265
  • United States of America2.9% · 515
  • China1.5% · 270
  • Germany0.9% · 155
  • South Africa, Republic of0.5% · 85
  • Netherlands0.4% · 80
  • Philippines0.4% · 75
  • Taiwan0.4% · 70

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

30

6/9 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
Monterey Middle SchoolElementary387 m
Oak Bay SecondarySecondary1.1 km
Glenlyon Norfolk School(Independent)K-121.4 km
Margaret Jenkins ElementaryElementary1.5 km
Sundance-Bank ElementaryElementary1.5 km
St Patrick's School(Independent)Elementary1.6 km
Ecole Willows ElementaryElementary1.6 km
Victor SchoolK-122.3 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 (2)

  • Bon Sushi · 1467 Hampshire Road632 m
  • The Oaks Restaurant · 2250 Oak Bay Avenue639 m

Cafes (5+)

  • Windsor Cafe · 2540 Windsor Road409 m
  • Demitasse Cafe · 2164 McNeill Avenue449 m
  • Unnamed546 m
  • Ottavio · 2272 Oak Bay Avenue630 m
  • Hide & Seek Coffee · 2207 Oak Bay Avenue654 m

Grocery (1)

  • Fairway Market Athlone Court · 2187 Oak Bay Avenue684 m

Parks (5+)

  • Windsor Park · 2451 Windsor Road333 m
  • Queen’s Park642 m
  • Cochrane's Common649 m
  • Haynes Park · 1499 Beach Drive664 m
  • Marina Park780 m

Pharmacies (2)

  • Fort Royal Pharmacy · 2217 Oak Bay Avenue644 m
  • Pharmasave · 2200 Oak Bay Avenue692 m

Banks & ATMs (5+)

  • RBC · 2255 Oak Bay Avenue607 m
  • BMO · 2219 Oak Bay Avenue638 m
  • Unnamed668 m
  • CIBC · 2224 Oak Bay Avenue668 m
  • TD669 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($635,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$2,540,000.00
Periodic payment — Principal & Interest (monthly)$16,387.22
Additional monthly expenses (strata, tax, utilities, etc.)$1,258.58
Total monthly cost$17,645.80
Interest paid over 5-yr term$727,971.30
Balance at end of term$2,284,738.22

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$635,000
Stress test qualifying rate8.09%
Payment you must qualify for$19,531.71

Cash Needed at Closing

Minimum down payment$635,000
Estimated BC PTT$76,750
Legal / closing costs (typical estimate)$1,500
Total cash needed$713,250

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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