Property Type: Detached HouseOwnership: Freehold

1685 Midgard Ave

Saanich, BC V8P2Y4

$1,200,000

3 bed2 bath2 parking1,081 sqftBuilt 1960
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Property Details

Property & Lot

Sub-type
House
Lot size
5,000 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,956.36

Interior

Heating
Forced air, Natural gas
Cooling / A/C
None
Fireplace
None

Parking

Total spaces
2 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
Dining roomMain level10' x 9'
BathroomMain level3-Piece
Laundry roomMain level7' x 9'
BedroomMain level10' x 12'
BedroomMain level12' x 10'
BathroomMain level4-Piece
Primary BedroomMain level12' x 13'
KitchenMain level9' x 12'
Living roomMain level9' x 14'
EntranceMain level9' x 5'

Listing Information

MLS®
1044953
Listed
August 4, 2026
Time on market
On the market for 27 days
Data last synced
August 28, 2026

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

Description

Move-in ready, beautifully renovated rancher in the highly sought-after Mt. Tolmie/Midgard neighbourhood, just steps to UVic and moments from top-rated schools, parks, shopping, restaurants, and transit. Comprehensively enhanced in 2020 with a modern kitchen, two full bathrooms, upgraded plumbing, a gas furnace, and an on-demand hot water system. A new roof was installed in 2024, followed by a 200-amp electrical service upgrade with EV charger and A/C pre-wiring in 2025. The south-facing backyard is a private outdoor retreat with mature landscaping, multiple patio areas, and a charming gazebo—perfect for relaxing, gardening, or entertaining family and friends. Bright, stylish, and easy to maintain, it’s an excellent choice for first-time buyers, professionals, downsizers, or investors. (id:63159)

Values & Trends

This listing

$1,110/sqft

Building average

No other active listings in this building

Mt Tolmie average

$720/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: Victoria (University of)

12°C

Humidity 89%

Wind NNW calm 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

52

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
Campus View ElementaryElementary637 m
Cedar Hill MiddleElementary650 m
Doncaster ElementaryElementary976 m
Mount Douglas SecondarySecondary1.2 km
St. Michaels University School(Independent)K-121.3 km
Braefoot ElementaryElementary1.4 km
Maria Montessori Academy(Independent)Elementary1.4 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+)

  • Unnamed237 m
  • Heart of Asia305 m
  • The Rack Bistro · 1550 Cedar Hill Cross Road366 m
  • Laila Laila Hotpot · 1546 Cedar Hill Cross Road376 m
  • Fig Delicatessen · 1551 Cedar Hill Cross Road429 m

Cafes (5+)

  • Noodle Box221 m
  • Ding Tea · 3749 Shelbourne Street250 m
  • Phonomenal253 m
  • Tim Hortons · 3749 Shelbourne Street259 m
  • Starbucks371 m

Grocery (5+)

  • Fairway Market Shelbourne Plaza · 3651 Shelbourne Street398 m
  • SaanniSunny Asian Market · 1551 Cedar Hill Cross Road412 m
  • Bulk Barn · 3609 Shelbourne Street546 m
  • Thrifty Foods · 1626 McKenzie Avenue626 m
  • Fairway Market McKenzie · 1521 McKenzie Avenue629 m

Parks (5+)

  • Horner Park279 m
  • Onyx Park355 m
  • Rendle Green359 m
  • Gore-Peace Memorial Park398 m
  • Mount Tolmie Park694 m

Shopping (2)

  • Shelbourne Village Square · 3749 Shelbourne Street252 m
  • Shelbourne Plaza430 m

Pharmacies (2)

  • Heart Pharmacy IDA · 3643 Shelbourne Street450 m
  • Rexall654 m

Banks & ATMs (5+)

  • Vancity · 1590 Cedar Hill Cross Road299 m
  • Coast Capital Savings · 3750 Shelbourne Street323 m
  • TD · 3675 Shelbourne Street343 m
  • BMO · 3616 Shelbourne Street555 m
  • RBC595 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 7.9% ($95,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$960,000.00
Periodic payment — Principal & Interest (monthly)$6,193.59
Additional monthly expenses (strata, tax, utilities, etc.)$467.03
Total monthly cost$6,660.62
Interest paid over 5-yr term$275,138.76
Balance at end of term$863,523.10

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$95,000
Stress test qualifying rate8.09%
Payment you must qualify for$8,497.06

Cash Needed at Closing

Minimum down payment$95,000
Estimated BC PTT$22,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$118,500

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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