Property Type: Detached HouseOwnership: Freehold

229 Irwin St

Nanaimo, BC V9R4X4

$529,000

4 bed2 bath4 parking2,283 sqftBuilt 1984
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Property Details

Property & Lot

Sub-type
House
Lot size
4,195 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,401.29

Interior

Heating
Forced air, Electric, Wood
Cooling / A/C
Wall unit
Fireplace
Yes (2)

Exterior & Lot

View
Ocean view

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
StorageLower level10'9 x 13'4
StorageLower level10'7 x 13'4
EntranceLower level4'7 x 10'9
StorageLower level4'6 x 10'7
Laundry roomLower level5'10 x 6'7
BedroomLower level9'1 x 10'3
KitchenLower level10'9 x 12'9
BathroomLower level8'2 x 10'7
BedroomLower level10'3 x 13'7
Dining roomLower level10'9 x 13'2
Family roomLower level15'3 x 18'2
Hobby roomMain level10'9 x 13'5
DenMain level10'7 x 13'4
BedroomMain level9'9 x 10'7
KitchenMain level10'9 x 21'4
BathroomMain level7'11 x 10'7
Primary BedroomMain level10'7 x 14'3
Dining roomMain level10'9 x 10'11
Living roomMain level16'4 x 21'8

Listing Information

MLS®
1040291
Listed
June 12, 2026
Time on market
On the market for 80 days
Data last synced
August 28, 2026

Listing provided by: Real Broker · Data source: CREA DDF.

Description

Welcome to 229 Irwin St, a versatile and well appointed home offering space, flexibility, and glimpses of ocean views. This property features two self contained levels, each with 2 bedrooms and 1 bathroom, making it ideal for extended family living, rental income, or multi generational use. Each level includes its own full kitchen, providing convenience and independence for occupants. The upper floor is bright and inviting, complete with a den or for a home office, reading nook, or additional living space, along with partial ocean views that add a touch of coastal charm. While the home could benefit from some updating, it presents an excellent opportunity to add value and make it your own. Priced attractively, this is a fantastic option for first-time home buyers or savvy investors looking to enter the market. Whether you’re searching for a smart investment or a home with room to grow, this property delivers both comfort and potential in a desirable setting. (id:63159)

Values & Trends

This listing

$232/sqft

Building average

No other active listings in this building

Old City average

$437/sqft

15 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

Partly Cloudy

15°C

Partly Cloudy

Humidity 85%

Wind N 2 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

99,863

(2021 Census)

+10.3% since 2016

Density: 1,104.1/km²

Dwellings: 45,138

Median household income: $75,500

After-tax: $68,500

Immigrant population: 16.1%

Top countries of origin (% of total population)

  • United Kingdom3.5% · 3,495
  • China1.3% · 1,285
  • United States of America1.2% · 1,155
  • India1.1% · 1,075
  • Philippines1% · 1,040
  • Germany0.6% · 635
  • Korea, South0.5% · 470
  • Viet Nam0.5% · 455

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

33

5/9 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
Bayview ElementaryElementary695 m
Pauline Haarer ElementaryElementary1.5 km
Georgia Avenue ElementaryElementary1.6 km
Park Avenue ElementaryElementary1.8 km
John Barsby SecondarySecondary1.8 km
Learning AlternativesSecondary1.8 km
Fairview ElementaryElementary2.1 km
Nanaimo District SecondarySecondary2.3 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+)

  • MGM · 240 Nicol Street256 m
  • Bar Luna · Victoria Road 7611 m
  • Bamboo Garden · 67 Victoria Crescent722 m
  • Indian Grill's786 m
  • Thai Cook · 22 Victoria Crescent796 m

Grocery (1)

  • Superette771 m

Parks (5+)

  • Deverill Square Gyro 2 Park · 200 Irwin Street75 m
  • Mary Jane Peters Park400 m
  • View Street Park · 38 View Street593 m
  • Nob Hill Park · 400 Milford Crescent620 m
  • Pioneer Square Park656 m

Gyms (1)

  • Dolly's Gym · 111 Nicol Street348 m

Banks & ATMs (2)

  • TD721 m
  • Superette Foods - Bitcoin Well ATM · 687 Albert Street779 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 5.3% ($27,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$423,200.00
Periodic payment — Principal & Interest (monthly)$2,730.34
Additional monthly expenses (strata, tax, utilities, etc.)$480.77
Total monthly cost$3,211.12
Interest paid over 5-yr term$121,290.34
Balance at end of term$380,669.77

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$27,900
Stress test qualifying rate8.09%
Payment you must qualify for$3,853.28

Cash Needed at Closing

Minimum down payment$27,900
Estimated BC PTT$8,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$37,980

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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