Property Type: Detached HouseOwnership: Freehold

2036 Neptune Rd

North Saanich, BC V8L5J5

$1,450,000

2 bed2 bath4 parking1,725 sqftBuilt 1976
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Property Details

Property & Lot

Sub-type
House
Lot size
0.5 acres
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$5,953.97

Interior

Heating
Heat Pump, Forced air, Electric
Cooling / A/C
Air Conditioned
Fireplace
Yes (2)

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
PatioLower level8' x 36'
Utility roomLower level9' x 7'
Laundry roomLower level15' x 25'
Family roomLower level15' x 28'
BedroomMain level10' x 10'
BathroomLower level3-Piece
BathroomMain level4-Piece
Primary BedroomMain level12' x 12'
KitchenMain level10' x 10'
Dining roomMain level12' x 13'
Living roomMain level15' x 16'
EntranceMain level4' x 4'

Listing Information

MLS®
1039893
Listed
June 12, 2026
Time on market
On the market for 80 days
Data last synced
August 28, 2026

Listing provided by: Macdonald Realty Ltd. (Sid) · Data source: CREA DDF.

Description

Set along a picturesque stretch of coastline, this oceanfront retreat captures the essence of West Coast living. Positioned on a private 0.5-acre lot, the home is thoughtfully oriented to maximize panoramic water views & ever-changing marine activity. The main level offers bright, comfortable living spaces where expansive windows frame the ocean beyond, while a generous waterfront deck is perfect for morning coffee, summer entertaining, or sunset evenings by the sea. Two bedrooms & a functional layout provide easy everyday living, while the lower level features a spacious family room, full bath, & substantial unfinished area offering excellent flexibility for future accommodation, a workshop, studio, or additional living space. A heat pump provides year-round comfort, while the fenced yard offers space for pets, gardening, or enjoying the coastal surroundings. Steps from the shoreline, this is a rare opportunity to secure waterfront ownership with outstanding potential. (id:63159)

Values & Trends

This listing

$841/sqft

Building average

No other active listings in this building

Swartz Bay average

$655/sqft

8 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: Victoria (Hartland)

Mainly Clear

14°C

Mainly Clear

Humidity 86%

Wind WSW 7 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

12,235

(2021 Census)

+8.8% since 2016

Density: 329.3/km²

Dwellings: 5,235

Median household income: $121,000

After-tax: $104,000

Immigrant population: 16.6%

Top countries of origin (% of total population)

  • United Kingdom6.8% · 830
  • United States of America1.6% · 195
  • Germany0.8% · 100
  • Netherlands0.8% · 100
  • India0.7% · 80
  • China0.5% · 60
  • South Africa, Republic of0.4% · 45
  • Hong Kong0.2% · 30

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

26

3/9 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
Parkland SecondarySecondary2.2 km
North Saanich Middle SchoolMiddle2.6 km
Deep Cove ElementaryElementary3.2 km
Sidney ElementaryElementary4.2 km
ḰELSET ElementaryElementary7.0 km
SD 63 Individual Learning CentreSecondary10.4 km
Brentwood College(Independent)Secondary11.1 km
George Bonner ElementaryElementary11.3 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

Cafes (1)

  • Lands End Café467 m

Parks (5+)

  • Pachena Park191 m
  • Unnamed354 m
  • Unnamed394 m
  • Green Park593 m
  • Unnamed700 m

Banks & ATMs (3)

  • Unnamed260 m
  • Unnamed463 m
  • Unnamed482 m

Nearby places data: © OpenStreetMap contributors.

School district: Saanich (SD63)

Mortgage & Ownership Cost Calculator

Minimum required: 8.3% ($120,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,160,000.00
Periodic payment — Principal & Interest (monthly)$7,483.93
Additional monthly expenses (strata, tax, utilities, etc.)$582.16
Total monthly cost$8,066.09
Interest paid over 5-yr term$332,459.33
Balance at end of term$1,043,423.75

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$120,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,227.23

Cash Needed at Closing

Minimum down payment$120,000
Estimated BC PTT$27,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$148,500

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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