Property Type: Condo / ApartmentOwnership: Strata

206 5822 Garden St

Duncan, BC V0L3V9

$374,900

1 bed1 bath1 parking900 sqftBuilt 2014
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Property Details

Property & Lot

Sub-type
Apartment
Lot size
960 square feet
Zoning
Residential/Commercial

C2

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$474/mo
Annual property tax
$2,625

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None

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
Family roomSecond level17'11 x 14'0
BalconySecond level5'11 x 23'1
KitchenSecond level9'0 x 8'1
BathroomSecond level8'7 x 11'2
StorageSecond level3'10 x 7'9
Living roomSecond level13'2 x 14'9
Dining roomSecond level7'9 x 11'5
Primary BedroomSecond level14'11 x 10'11

Listing Information

MLS®
1036787
Listed
May 26, 2026
Time on market
On the market for 97 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Duncan Realty · Data source: CREA DDF.

Description

Downtown living made easy at the Roscoe. This bright 960 sq. ft. 1-bedroom + den corner condo offers no age restrictions, low strata fees, rental options, and excellent value for investors, first-time buyers, or downsizers. Enjoy 9' ceilings, quality wide-plank flooring, a sleek kitchen with eating bar, open living space, in-suite laundry, storage room with newish hot water tank, and a west-facing balcony. The den is ideal for an office, studio, or guest space. The Rossco is a professionally managed 17-unit building with secure entry, parking, bike storage, gym, and rooftop patio for BBQs, gardening, and gatherings. Pet friendly with no size restriction for cats or dogs. Walk to the rec centre, library, theatre, university, restaurants, and shopping. Book your viewing today! (id:63159)

Values & Trends

This listing

$417/sqft

Building average

No other active listings in this building

West Duncan average

$357/sqft

18 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

15°C

Humidity 82%

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.

Population

5,047

(2021 Census)

+2.1% since 2016

Density: 2,450/km²

Dwellings: 2,620

Median household income: $53,200

After-tax: $49,600

Immigrant population: 11%

Top countries of origin (% of total population)

  • United Kingdom2.8% · 140
  • United States of America1.4% · 70
  • Germany1.1% · 55
  • Netherlands0.9% · 45
  • Philippines0.6% · 30
  • India0.4% · 20
  • Mexico0.3% · 15
  • Hungary0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

48

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
Khowhemun ElementaryElementary832 m
Cowichan Valley Open Learning Co-OpSecondary901 m
Cowichan Open SchoolSecondary901 m
Quamichan SchoolSecondary926 m
Alexander ElementaryElementary1.1 km
Queen Margaret's(Independent)K-121.1 km
Duncan Christian School(Independent)K-121.2 km
Des CascadesElementary1.3 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

Restaurants (5+)

  • Guangzhou Garden · 2721 James Street59 m
  • The Taco Hole238 m
  • May's Asian Cuisine · 5838 Trans-Canada Highway387 m
  • Saigon Subs · 5838 Trans-Canada Highway389 m
  • Mr Mikes · 2763 Beverly Street412 m

Cafes (5+)

  • Coffee on the Moon298 m
  • James Street Cafe · 5838 Trans-Canada Highway390 m
  • Cafe la Vie404 m
  • Tim Hortons418 m
  • Starbucks · 2751 Beverly Street480 m

Grocery (2)

  • Thrifty Foods · 2755 Beverly Street597 m
  • Bulk Barn629 m

Parks (5+)

  • Kin Park202 m
  • Heiwa Park477 m
  • Station Street Park479 m
  • Charles Hoey, VC, Memorial Park · 34 Canada Avenue513 m
  • Centennial Park · First Street555 m

Shopping (1)

  • Whittome Mall494 m

Pharmacies (1)

  • Shoppers Drug Mart612 m

Banks & ATMs (5+)

  • Bank of Montreal · 21 Station Street465 m
  • CIBC · 118 Station Street523 m
  • Localcoin Bitcoin ATM542 m
  • RBC624 m
  • RBC · 395 Trunk Road640 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($18,745) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$299,920.00
Periodic payment — Principal & Interest (monthly)$1,934.98
Additional monthly expenses (strata, tax, utilities, etc.)$737.50
Total monthly cost$2,672.48
Interest paid over 5-yr term$85,957.93
Balance at end of term$269,779.01

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$18,745
Stress test qualifying rate8.09%
Payment you must qualify for$2,738.71

Cash Needed at Closing

Minimum down payment$18,745
Estimated BC PTT$5,498
Legal / closing costs (typical estimate)$1,500
Total cash needed$25,743

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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