Property Type: Condo / ApartmentOwnership: Strata

117 409 Swift St

Victoria, BC V8W1S2

$449,900

1 bed1 bath1 parking628 sqftBuilt 2000
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Property Details

Property & Lot

Sub-type
Apartment
Lot size
871 square feet
Zoning
Multi-Family

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$473/mo
Annual property tax
$2,550.63

Interior

Heating
Natural gas
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

View
City view, Mountain view
Waterfront
Waterfront on ocean

Parking

Total spaces
1

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
BedroomMain level8'5 x 9'1
BathroomMain level4-Piece
KitchenMain level7'9 x 11'4
Dining roomMain level7'9 x 8'4
Living roomMain level16'9 x 8'9
PatioMain level17'3 x 9'0

Listing Information

MLS®
1043002
Listed
July 17, 2026
Time on market
On the market for 46 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Camosun · Data source: CREA DDF.

Description

Rare walk out patio at Mermaid Wharf, one of Old Town Victoria’s best waterfront condos. This thoughtfully designed 1-bedroom, 1-bathroom condo offers a bright open-concept layout with floor-to-ceiling windows, abundant natural light, and a private north-facing patio with water views. Access your condo from your secured patio for easy walks into town without elevators and common areas. The inviting living area features a gas fireplace and a new Murphy bed, blending comfort and functionality. In-suite laundry adds convenience. Enjoy secure underground parking, a separate storage locker, bike and kayak storage, plus a private kayak dock. Take in stunning views from the rooftop patio with BBQ facilities, perfect for relaxing or entertaining. With no rental or pet restrictions, this versatile home is ideal for homeowners, investors, or those seeking a vibrant downtown lifestyle. Steps to restaurants, galleries, shops, and the Inner Harbour. (id:63159)

Values & Trends

This listing

$716/sqft

Building average

$802/sqft

3 active listing(s)

Downtown average

$766/sqft

152 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

Mainly Clear

16°C

Mainly Clear

Humidity 73%

Wind S 6 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

91,867

(2021 Census)

+7.1% since 2016

Density: 4,723.2/km²

Dwellings: 53,070

Median household income: $67,500

After-tax: $60,000

Immigrant population: 20%

Top countries of origin (% of total population)

  • United Kingdom3.8% · 3,505
  • United States of America2.1% · 1,945
  • Philippines2% · 1,845
  • China1.2% · 1,110
  • India0.7% · 650
  • Germany0.6% · 590
  • Korea, South0.4% · 400
  • Netherlands0.3% · 315

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

70

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
Pacific School of Innovation and Inquiry(Independent)Secondary802 m
Christ Church Cathedral School(Independent)Elementary/Middle1.2 km
South Park Family SchoolElementary1.4 km
Selkirk Montessori School(Independent)Elementary/Middle1.4 km
Victoria West ElementaryElementary1.4 km
George Jay ElementaryElementary1.5 km
James Bay CommunityElementary1.6 km
SJ Burnside Education CentreSecondary1.6 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 Sour Pickle Cafe · 1623 Store Street77 m
  • Eva Schnitzelhous · 509 Fisgard Street77 m
  • Cafe Malabar · 407 Swift Street81 m
  • Chubby Dumpling · 1619 Store Street84 m
  • Ohana Poke · 513 Fisgard Street88 m

Cafes (5+)

  • Grindstone Cafe · Herald Street84 m
  • Bean Around The World · 533 Fisgard Street127 m
  • Union Pacific Coffee · 537 Herald Street135 m
  • Shanzee's Biscuit Café · 529 Pandora Avenue184 m
  • Just Matcha · 544 Pandora Avenue191 m

Grocery (4)

  • Zero Waste Emporium · 1728 Douglas Street398 m
  • No Frills · 770 Fisgard Street445 m
  • Mexican House of Spice · 1412 Douglas Street446 m
  • Bulk Barn · 706 Yates Street554 m

Parks (5+)

  • Triangle Green147 m
  • Bridgehead Green196 m
  • Reeson Park · 1300 Wharf Street279 m
  • Pandora Green290 m
  • Songhees Point Park · 49 Songhees Road503 m

Shopping (5+)

  • Camöflage309 m
  • Sabayons · 1101 Government Street528 m
  • The Bay Centre561 m
  • The Bay Centre · 1150 Douglas Street561 m
  • Winners · 1150 Douglas Street586 m

Gyms (5+)

  • Spinco · 524 Pandora Avenue139 m
  • Limitless Training · 582 Johnson Street277 m
  • Vic City Gymnastics · 2051 Store Street313 m
  • Lagree West315 m
  • Spinco · 745 Cormorant Street527 m

Pharmacies (3)

  • Shoppers Drug Mart · 1212 Douglas Street560 m
  • I.D.A. Cridge Family · 641 Fort Street602 m
  • Rexall · 912 Douglas Street752 m

Banks & ATMs (5+)

  • Unnamed373 m
  • Localcoin Bitcoin ATM · 1710 Douglas Street391 m
  • RBC Royal Bank · 1701 Douglas Street434 m
  • Vancity · 1280 Douglas Street529 m
  • Scotiabank · 702 Yates Street534 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($22,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$359,920.00
Periodic payment — Principal & Interest (monthly)$2,322.08
Additional monthly expenses (strata, tax, utilities, etc.)$716.55
Total monthly cost$3,038.63
Interest paid over 5-yr term$103,154.11
Balance at end of term$323,749.20

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$22,495
Stress test qualifying rate8.09%
Payment you must qualify for$3,286.59

Cash Needed at Closing

Minimum down payment$22,495
Estimated BC PTT$6,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,993

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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