Property Type: Detached HouseOwnership: Freehold

1232 Effingham St

Esquimalt, BC V9A4Y2

$1,350,000

5 bed3 bath5 parking2,710 sqftBuilt 1931
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Property Details

Property & Lot

Sub-type
House
Lot size
6,400 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,095.18

Interior

Heating
Baseboard heaters, Electric, Wood, Other
Cooling / A/C
None
Fireplace
Yes (1)

Exterior & Lot

Lot features
Central location, Level lot, Other

Building

Parcel ID (PID)
007-802-374

Parking

Total spaces
5

Room Dimensions

RoomLevelDimensions
PatioOther
OfficeOther
WorkshopLower level
WorkshopLower level
BedroomLower level
BedroomLower level
KitchenLower level
BathroomLower level4-Piece
Living roomLower level
EntranceLower level
StorageLower level
BedroomSecond level
Recreation roomSecond level
PorchMain level
EntranceMain level
Living roomMain level
BedroomMain level
BathroomMain level4-Piece
EnsuiteMain level3-Piece
Dining roomMain level
KitchenMain level
Primary BedroomMain level

Listing Information

MLS®
1047404
Listed
August 20, 2026
Time on market
On the market for 11 days
Data last synced
September 1, 2026

Listing provided by: Century 21 Queenswood Realty Ltd. · Data source: CREA DDF.

Description

Welcome home to this beautifully renovated residence, completely updated from top to bottom. Located in the heart of Esquimalt’s desirable Rockheights neighbourhood, this spacious family home truly has it all. The main level features 3 bedrooms and 2 bathrooms, while the lower level offers a fantastic 2-bedroom walkout suite—perfect for extended family, guests, or an excellent revenue opportunity. The home has been thoughtfully updated throughout, combining modern finishes with comfortable, functional living spaces. A huge driveway provides plenty of parking, including room for your RV or boat. Step outside to the sun-drenched backyard, where you’ll find plenty of space for relaxing, entertaining, and enjoying outdoor living. A detached office creates the perfect work-from-home space, studio, or private retreat. The property also offers excellent storage and a large attached workshop, providing even more flexibility. Located close to parks, recreation, restaurants, shopping, transit, schools, and everyday amenities, this is a wonderful opportunity to enjoy everything Esquimalt has to offer. Lovingly cared for and extensively improved, this home is move-in ready and waiting for its next family to create memories for years to come. All updates and improvements have been completed with permits. (id:63159)

Values & Trends

This listing

$498/sqft

Building average

No other active listings in this building

Rockheights average

$661/sqft

2 active listing(s)

Parking: 5 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

15°C

Humidity 82%

Wind N 2 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

17,653

(2021 Census)

Density: 2,418.2/km²

Dwellings: 9,036

Median household income: $76,000

After-tax: $67,500

Immigrant population: 15.3%

Top countries of origin (% of total population)

  • United Kingdom3% · 525
  • Philippines1.5% · 270
  • United States of America1.2% · 215
  • India0.8% · 145
  • China0.7% · 115
  • Germany0.5% · 85
  • Viet Nam0.3% · 60
  • France0.3% · 50

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

63

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
Rockheights Middle SchoolElementary433 m
Ecole Macaulay ElementaryElementary840 m
Victor-BrodeurK-12970 m
BeausoleilElementary970 m
Esquimalt High SchoolSecondary1.4 km
Victoria West ElementaryElementary2.0 km
Craigflower ElementaryElementary2.5 km
Shoreline Community Middle SchoolMiddle2.6 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+)

  • Benjamin's Cafe · 614B Grenville Avenue182 m
  • Syriana · 1258 Esquimalt Road211 m
  • Kwao Thai Restaurant · 1207A Esquimalt Road232 m
  • Saigon Char-Broil Restaurant · 1205 Esquimalt Road238 m
  • Vietnam Garden Restaurant · 524 Admirals Road343 m

Cafes (3)

  • Esquimalt Roasting Company · 505 Park Place198 m
  • Serious Coffee316 m
  • Serious Coffee627 m

Grocery (2)

  • Red Barn Market295 m
  • Country Grocer399 m

Parks (5+)

  • Unnamed131 m
  • Memorial Park139 m
  • Unnamed166 m
  • Rockcrest Park301 m
  • Unnamed320 m

Shopping (1)

  • Canex326 m

Gyms (1)

  • Esquimalt Recreation Centre · 527 Fraser Street361 m

Pharmacies (1)

  • Pharmasave427 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 8.1% ($110,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,080,000.00
Periodic payment — Principal & Interest (monthly)$6,967.79
Additional monthly expenses (strata, tax, utilities, etc.)$643.93
Total monthly cost$7,611.73
Interest paid over 5-yr term$309,531.10
Balance at end of term$971,463.49

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$110,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,535.17

Cash Needed at Closing

Minimum down payment$110,000
Estimated BC PTT$25,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$136,500

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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