Property Type: Detached HouseOwnership: Freehold

3830 Palo Alto St

Saanich, BC V8P4S3

$1,065,000

3 bed1 bath2 parking1,579 sqftBuilt 1949
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Property Details

Property & Lot

Sub-type
House
Lot size
7,000 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,424.43

Interior

Heating
Heat Pump, Forced air, Natural gas
Cooling / A/C
Air Conditioned
Fireplace
Yes (1)

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
Family roomMain level11'
PatioMain level22' x 16'
StorageMain level7'0 x 7'9
Dining roomMain level10' x 10'
Laundry roomMain level5'7 x 9'6
BedroomMain level10' x 9'
BedroomMain level10' x 12'
BathroomMain level4-Piece
Primary BedroomMain level13' x 12'
Living roomMain level13' x 23'
KitchenMain level15' x 11'
EntranceMain level9' x 5'

Listing Information

MLS®
1043686
Listed
July 22, 2026
Time on market
On the market for 40 days
Data last synced
August 28, 2026

Listing provided by: Macdonald Realty Victoria · Data source: CREA DDF.

Description

Welcome to this well-maintained 3-bedroom rancher in one of Saanich East's most sought-after neighbourhoods. Set on a desirable corner lot with future development potential, this property offers two driveways, loads of parking and a garage for storage or hobbies. Designed for comfortable one-level living, the home has been updated with a heat pump, energy star thermal triple pane windows, vinyl plank flooring, and added crawlspace insulation for comfort and efficiency. The bright interior features large picture windows, elegant cove ceilings and a cozy fireplace. The skylit kitchen is functional and welcoming featuring gas cook top, wall oven, breakfast bar and plenty of cupboard space. The spacious family room offers flexibility as a second living area, office, or potential fourth bedroom. Minutes from UVic, top-rated schools, parks, shopping, transit and Gordon Head amenities, this is a fantastic family or downsize opportunity in one of Victoria's premier family neighbourhoods. (id:63159)

Values & Trends

This listing

$674/sqft

Building average

No other active listings in this building

Mt Tolmie average

$763/sqft

10 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

Nearest station: Victoria (University of)

13°C

Humidity 83%

Wind WNW 2 km/h

Tonight

12°

Tuesday

19°

Tuesday night

13°

Wednesday

15°

Wednesday night

11°

Thursday

15°

Source: Environment and Climate Change Canada.

Population

117,735

(2021 Census)

+3.1% since 2016

Density: 1,136.5/km²

Dwellings: 50,064

Median household income: $93,000

After-tax: $83,000

Immigrant population: 22.5%

Top countries of origin (% of total population)

  • China3.5% · 4,110
  • United Kingdom3.2% · 3,760
  • India2.3% · 2,650
  • Philippines1.7% · 1,995
  • United States of America1.4% · 1,655
  • Germany0.6% · 730
  • Hong Kong0.6% · 720
  • Viet Nam0.5% · 540

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

52

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
Campus View ElementaryElementary592 m
Cedar Hill MiddleElementary701 m
Doncaster ElementaryElementary1.0 km
Mount Douglas SecondarySecondary1.2 km
St. Michaels University School(Independent)K-121.3 km
Maria Montessori Academy(Independent)Elementary1.4 km
Braefoot ElementaryElementary1.4 km
Lambrick Park SecondarySecondary1.8 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+)

  • Unnamed275 m
  • Heart of Asia320 m
  • The Rack Bistro · 1550 Cedar Hill Cross Road413 m
  • Laila Laila Hotpot · 1546 Cedar Hill Cross Road424 m
  • Fig Delicatessen · 1551 Cedar Hill Cross Road472 m

Cafes (5+)

  • Noodle Box256 m
  • Phonomenal283 m
  • Tim Hortons · 3749 Shelbourne Street287 m
  • Ding Tea · 3749 Shelbourne Street291 m
  • Starbucks390 m

Grocery (5+)

  • Fairway Market Shelbourne Plaza · 3651 Shelbourne Street416 m
  • SaanniSunny Asian Market · 1551 Cedar Hill Cross Road455 m
  • Bulk Barn · 3609 Shelbourne Street561 m
  • Thrifty Foods · 1626 McKenzie Avenue645 m
  • Fairway Market McKenzie · 1521 McKenzie Avenue666 m

Parks (5+)

  • Horner Park243 m
  • Onyx Park322 m
  • Rendle Green355 m
  • Gore-Peace Memorial Park429 m
  • Mount Tolmie Park660 m

Shopping (2)

  • Shelbourne Village Square · 3749 Shelbourne Street287 m
  • Shelbourne Plaza447 m

Pharmacies (2)

  • Heart Pharmacy IDA · 3643 Shelbourne Street467 m
  • Rexall666 m

Banks & ATMs (5+)

  • Vancity · 1590 Cedar Hill Cross Road327 m
  • Coast Capital Savings · 3750 Shelbourne Street366 m
  • TD · 3675 Shelbourne Street369 m
  • BMO · 3616 Shelbourne Street575 m
  • RBC603 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($81,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$852,000.00
Periodic payment — Principal & Interest (monthly)$5,496.81
Additional monthly expenses (strata, tax, utilities, etc.)$531.04
Total monthly cost$6,027.85
Interest paid over 5-yr term$244,185.65
Balance at end of term$766,376.76

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$81,500
Stress test qualifying rate8.09%
Payment you must qualify for$7,562.77

Cash Needed at Closing

Minimum down payment$81,500
Estimated BC PTT$19,300
Legal / closing costs (typical estimate)$1,500
Total cash needed$102,300

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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