Property Type: Detached HouseOwnership: Freehold

320 Moss St

Victoria, BC V8V4M9

$1,899,900

6 bed4 bath2 parking3,323 sqftBuilt 1912
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Property Details

Property & Lot

Sub-type
House
Lot size
4,200 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,767.15

Interior

Heating
Baseboard heaters, Forced air, Electric, Natural gas
Cooling / A/C
None
Fireplace
Yes (2)

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
Laundry roomLower level12'0 x 13'4
StorageLower level12'3 x 14'4
BedroomThird level12'10 x 15'10
BalconySecond level28'6 x 8'9
Laundry roomSecond level5'8 x 9'4
BathroomSecond level5'8 x 13'5
EntranceLower level3'10 x 8'3
KitchenSecond level10'2 x 16'11
Dining roomSecond level8'8 x 5'7
Living roomSecond level8'8 x 17'7
BedroomSecond level9'3 x 11'4
DenSecond level15'4 x 11'4
BathroomLower level5'10 x 6'0
PantryLower level3'0 x 6'7
KitchenLower level11'7 x 12'7
Dining roomLower level7'7 x 11'9
Living roomLower level11'7 x 11'9
BedroomLower level11'8 x 8'7
BedroomLower level10'4 x 12'7
Living roomMain level10'6 x 12'5
KitchenMain level11'2 x 15'8
BathroomMain level8'0 x 12'5
BedroomMain level11'3 x 13'11
BathroomMain level8'8 x 4'9
KitchenMain level10'9 x 5'2
BedroomMain level16'2 x 13'10
PorchMain level5'2 x 24'4

Listing Information

MLS®
1032302
Listed
April 20, 2026
Time on market
On the market for 133 days
Data last synced
August 28, 2026

Listing provided by: Engel & Volkers Vancouver Island · Data source: CREA DDF.

Description

Exceptional investment opportunity in the heart of Fairfield! This updated character conversion features 4 suites (two 2-bed, two 1-bed units) generating $9,400/month with all tenancies month-to-month. Spanning 6 bedrooms and 4 bathrooms, the property delivers strong cash flow from day one with flexibility to reconfigure for an owner-occupier needing more space. Two suites feature in-suite laundry; the remaining two share a well-appointed common laundry, with additional common area storage lockers. Ideally situated just blocks from the Dallas Rd Waterfront, Cook St Village & Downtown Victoria, the home offers great curb appeal in one of the city's most walkable and sought-after neighbourhoods. A rare turnkey income property — move in, rent out or do both! (id:63159)

Values & Trends

This listing

$572/sqft

Building average

No other active listings in this building

Fairfield West average

$669/sqft

12 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

Mainly Clear

16°C

Mainly Clear

Humidity 73%

Wind S 6 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

91,867

(2021 Census)

+7.1% since 2016

Density: 4,723.2/km²

Dwellings: 53,070

Median household income: $67,500

After-tax: $60,000

Immigrant population: 20%

Top countries of origin (% of total population)

  • United Kingdom3.8% · 3,505
  • United States of America2.1% · 1,945
  • Philippines2% · 1,845
  • China1.2% · 1,110
  • India0.7% · 650
  • Germany0.6% · 590
  • Korea, South0.4% · 400
  • Netherlands0.3% · 315

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

33

6/9 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
Sir James Douglas ElementaryElementary225 m
Central Middle SchoolElementary1.1 km
Christ Church Cathedral School(Independent)Elementary/Middle1.1 km
South Park Family SchoolElementary1.3 km
Margaret Jenkins ElementaryElementary1.5 km
Glenlyon Norfolk School(Independent)K-121.6 km
Pacific School of Innovation and Inquiry(Independent)Secondary1.6 km
Victoria HighElementary1.8 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+)

  • Greek on the Street · 325 Cook Street496 m
  • Hot House Pizza · 351 Cook Street496 m
  • Morning People · 325 Cook Street509 m
  • Thunderbird · 253 Cook Street529 m
  • Taisho Japanese Grill & Bar · 230 Cook Street549 m

Cafes (3)

  • The Hidden Gem Treat Shop & Cafe · 337 Cook Street491 m
  • Moka House · 345 Cook Street496 m
  • Gonzales Coffee · 1548 Fairfield Road799 m

Grocery (1)

  • The Root Cellar Village Green Grocer · 271 Cook Street523 m

Parks (5+)

  • Chapman Park · 1200 Chapman Street248 m
  • Robert J. Porter Park · 1350 Fairfield Road270 m
  • Moss Rock Park · 310 Masters Road353 m
  • Olive Street Green · 181 Olive Street393 m
  • Brooke Street Park · 1425 Brooke Street443 m

Pharmacies (1)

  • Rexall559 m

Banks & ATMs (1)

  • Localcoin Bitcoin ATM615 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($379,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,519,920.00
Periodic payment — Principal & Interest (monthly)$9,806.01
Additional monthly expenses (strata, tax, utilities, etc.)$729.93
Total monthly cost$10,535.94
Interest paid over 5-yr term$435,613.44
Balance at end of term$1,367,172.96

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$379,980
Stress test qualifying rate8.09%
Payment you must qualify for$11,687.65

Cash Needed at Closing

Minimum down payment$379,980
Estimated BC PTT$35,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$417,478

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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