Property Type: Detached HouseOwnership: Freehold

1573 Charlotte St

Crofton, BC V0R1R0

$795,000

4 bed2 bath2 parking1,675 sqftBuilt 1957
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Property Details

Property & Lot

Sub-type
House
Lot size
7,878 square feet
Zoning
Residential

R3

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,916

Interior

Heating
Heat Pump
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
PantryMain level8'8 x 4'7
Laundry roomMain level9'6 x 7'4
BathroomMain level4-Piece
BedroomMain level13'2 x 8'9
BedroomMain level11'9 x 12'1
BedroomMain level11'9 x 7'11
EnsuiteMain level2-Piece
Primary BedroomMain level15'6 x 10'9
Family roomMain level11'5 x 19'8
Dining roomMain level8'8 x 12'8
KitchenMain level7'10 x 11'2
Living roomMain level15'11 x 14'3

Listing Information

MLS®
1032278
Listed
April 20, 2026
Time on market
On the market for 133 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Oceanside Real Estate · Data source: CREA DDF.

Description

Welcome to this delightful 4-bedroom, 2-bathroom ranch-style home offering 1,700 sq ft of comfortable living in the heart of Crofton — a coastal gem known for its small-town charm and scenic beauty. This special property can be your private outdoor oasis to enjoy summer fun in your in-ground heated swimming pool, a new 9 person hot tub, and low-maintenance, fully fenced yard. Whether you're entertaining guests or enjoying a quiet afternoon, this backyard retreat is perfect. Bonus features include alley access, a garden shed, irrigation system, and plenty of room to relax poolside. The spacious, cozy interior has a warm and inviting layout featuring:A formal living room with cozy fireplace .A separate dining area, bright updated kitchen,generously sized family room — ideal for gatherings or quiet evenings This home comes equipped with:energy-efficient heat pump, vinyl thermal windows, built-in vacuum system Nestled in a peaceful neighborhood, you're just minutes from Saltspring Island ferries, walking trails, and the Crofton seawalk. Discover the joys of coastal living with easy access to nature, community amenities, and recreational activities. Crofton, BC – where lifestyle and location meet. (id:63159)

Values & Trends

This listing

$475/sqft

Building average

No other active listings in this building

Crofton average

$457/sqft

10 active listing(s)

Parking: 2 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: Duncan

14°C

Humidity 86%

Wind NNW calm km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

19

2/9 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
Crofton Elementary Community SchoolElementary292 m
Maple Bay ElementaryElementary7.2 km
Alex AitkenElementary8.4 km
Fernwood ElementaryElementary9.1 km
Queen of Angels School(Independent)Elementary/Middle9.3 km
Alexander ElementaryElementary9.3 km
Quamichan SchoolSecondary9.4 km
Chemainus SecondaryK-129.4 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

Cafes (1)

  • Third Wave Coffee284 m

Parks (5+)

  • Queen Street Park · 8060 Queen Street154 m
  • Crofton Museum Park304 m
  • Gerry Hurst Skate Park · 1537 Chaplin Street328 m
  • Crofton Boat Ramp357 m
  • Crofton Community Centre399 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 6.9% ($54,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$636,000.00
Periodic payment — Principal & Interest (monthly)$4,103.26
Additional monthly expenses (strata, tax, utilities, etc.)$410.33
Total monthly cost$4,513.59
Interest paid over 5-yr term$182,279.43
Balance at end of term$572,084.06

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$54,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,694.19

Cash Needed at Closing

Minimum down payment$54,500
Estimated BC PTT$13,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$69,900

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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