Property Type: Detached HouseOwnership: Freehold

3428 Horizon Terr

Langford, BC V9C4L5

$1,399,900

6 bed4 bath4 parking3,379 sqftBuilt 2023
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Property Details

Property & Lot

Sub-type
House
Lot size
6,098 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,597.96

Interior

Heating
Heat Pump, Baseboard heaters, Electric, Natural gas
Cooling / A/C
Fully air conditioned
Fireplace
Yes (1)

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
BedroomMain level
BedroomMain level
BathroomMain level4-Piece
Laundry roomMain level
EnsuiteMain level5-Piece
Primary BedroomMain level
PantryMain level
KitchenMain level
Dining roomMain level
Living roomMain level
EntranceLower level
BedroomLower level
BedroomLower level
MediaLower level
OtherLower level
BathroomLower level4-Piece
BedroomLower level
BathroomLower level4-Piece
KitchenLower level
Living roomLower level

Listing Information

MLS®
1041988
Listed
June 30, 2026
Time on market
On the market for 62 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Oceanside Real Estate · Data source: CREA DDF.

Description

Welcome to 3428 Horizon Terrace, the stunning executive SPACIZ designed home you've been waiting for! This 6 bed, 4 bath residence enjoys an unbeatable location, just minutes to Royal Bay's schools & shopping, beautiful beaches & endless nature trails. Whether you desire the entire 6 bed home for your own use or envision the 1 bed legal suite for family or revenue, this flexible floor plan offers incredible options. The main living space is a masterpiece of modern design, enjoying high-end finishings throughout, an open concept kitchen perfect for entertaining & a cozy fireplace that anchors the living area with warmth & elegance. With soaring ceilings, quality craftsmanship & thoughtful details at every turn, this home strikes the perfect balance between sophistication & comfortable everyday living. The neighbourhood offers the best of West Shore living, with nature, beaches & all amenities right at your doorstep. This rare brand new offering is a must-see! (id:63159)

Values & Trends

This listing

$414/sqft

Building average

No other active listings in this building

Walfred average

$505/sqft

3 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: Esquimalt

15°C

Humidity 82%

Wind N 2 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

46,584

(2021 Census)

+31.8% since 2016

Density: 1,124.4/km²

Dwellings: 19,968

Median household income: $93,000

After-tax: $82,000

Immigrant population: 15.8%

Top countries of origin (% of total population)

  • United Kingdom2.5% · 1,165
  • Philippines2.2% · 1,005
  • India1.4% · 655
  • United States of America1.1% · 520
  • China0.8% · 380
  • Korea, South0.5% · 230
  • Viet Nam0.4% · 170
  • Germany0.4% · 165

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

7

1/9 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
Happy Valley ElementaryElementary1.3 km
Wishart ElementaryElementary1.6 km
Royal Bay SecondaryElementary2.1 km
Sangster ElementaryElementary2.2 km
Dunsmuir Middle SchoolMiddle2.3 km
Lighthouse Christian Academy(Independent)K-122.3 km
Belmont SecondaryElementary2.6 km
Colwood ElementaryElementary2.7 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

Parks (4)

  • Claudette Park · 729 Claudette Court223 m
  • Lookout Lake Park303 m
  • Sun Estates Park519 m
  • Karger Park591 m

Nearby places data: © OpenStreetMap contributors.

School district: Sooke (SD62)

Mortgage & Ownership Cost Calculator

Minimum required: 8.2% ($114,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,119,920.00
Periodic payment — Principal & Interest (monthly)$7,225.34
Additional monthly expenses (strata, tax, utilities, etc.)$718.83
Total monthly cost$7,944.17
Interest paid over 5-yr term$320,972.29
Balance at end of term$1,007,371.66

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$114,990
Stress test qualifying rate8.09%
Payment you must qualify for$9,880.51

Cash Needed at Closing

Minimum down payment$114,990
Estimated BC PTT$25,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$142,488

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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