Property Type: Detached HouseOwnership: Freehold

3905B Cadboro Bay Rd

Saanich, BC V8N4G3

$4,580,000

4 bed4 bath8 parking3,896 sqftBuilt 1991
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Open House

Sunday, September 6

2:00 PM4:00 PM

Property Details

Property & Lot

Sub-type
House
Lot size
0.73 acres
Zoning
Residential

RS-10

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$29,731

Interior

Heating
Heat Pump, Baseboard heaters, Forced air, Electric, Natural gas
Cooling / A/C
Central air conditioning, Fully air conditioned
Fireplace
Yes (1)
Appliances
Washer, Refrigerator, Range - Gas, Dishwasher, Range, Dryer, Microwave, Garburator, Oven - Built-In

Exterior & Lot

View
Mountain view, Ocean view
Waterfront
Waterfront on ocean
Lot features
Cul-de-sac, Level lot, Private setting, Southern exposure, Other, Rectangular

Building

Parcel ID (PID)
001-620-231

Parking

Total spaces
8

Room Dimensions

RoomLevelDimensions
PatioMain level
PatioMain level
StorageMain level
Eating areaMain level
StorageOther
BalconySecond level
Recreation roomSecond level
BedroomSecond level
BathroomSecond level4-Piece
BedroomSecond level
Living roomSecond level
KitchenSecond level
PatioMain level
PatioMain level
PatioMain level
Laundry roomMain level
EnsuiteMain level4-Piece
BathroomMain level2-Piece
BedroomMain level
EnsuiteMain level4-Piece
Primary BedroomMain level
OfficeMain level
KitchenMain level
Dining roomMain level
Living roomMain level
EntranceMain level

Listing Information

MLS®
1047189
Listed
August 18, 2026
Time on market
On the market for 13 days
Data last synced
August 31, 2026

Listing provided by: Pemberton Holmes Ltd. · Data source: CREA DDF.

Description

Rare turn-key 0.73-acre low-bank oceanfront estate with 130ft of white sand beach in prestigious Cadboro Bay, Victoria, BC! Fully renovated top-to-bottom with high-end finishes and transferable warranties, this sanctuary offers the ultimate coastal lifestyle. *Healthy & Community-Focused*: Minutes to safe parks for kids, local farm-fresh markets, and engaging neighborhood social events. *Turn-Key Luxury*: Brand-new roof, windows, floors, lighting, designer landscaping, and a south-facing patio with a Spanish stone fire pit. *Versatile 4BR/4BA Layout*: Features 2 main-level primary ensuites, executive office, 2-car garage + 6-vehicle driveway, and prime garden suite potential. *Unbeatable Location*: Minutes to UVic, top elite schools, healthcare, yacht clubs, downtown Victoria, and 30 mins to Victoria Int'l Airport. Vetted film production site. Move right in to Victoria' s ultimate oceanfront lifestyle! (id:63159)

Values & Trends

This listing

$1,176/sqft

Building average

No other active listings in this building

Cadboro Bay average

$902/sqft

4 active listing(s)

Parking: 8 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)

12°C

Humidity 89%

Wind NNW calm 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

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
Frank Hobbs ElementaryElementary897 m
Arbutus Global Middle SchoolElementary1.7 km
Campus View ElementaryElementary2.4 km
Mount Douglas SecondarySecondary2.5 km
Maria Montessori Academy(Independent)Elementary2.6 km
St. Michaels University School(Independent)K-122.9 km
Ecole Willows ElementaryElementary3.0 km
Artemis Place Secondary(Independent)Secondary3.2 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 (2)

  • Thai Lemongrass · 3838 Cadboro Bay Road524 m
  • Mutsuki-An Japanese Restaurant · 2560A Sinclair Road565 m

Cafes (3)

  • Moka House · 1849b Cadboro Bay Road456 m
  • Olive Olio's · 3840 Cadboro Bay Road509 m
  • Jusu · 2560 Sinclair Road560 m

Grocery (1)

  • Pepper's Foods · 3829 Cadboro Bay Road476 m

Parks (5+)

  • Cadboro-Gyro Park253 m
  • Unnamed410 m
  • Maynard Park524 m
  • Unnamed620 m
  • Unnamed672 m

Pharmacies (1)

  • Heart Pharmacy · 3825 Cadboro Bay Road480 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($916,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$3,664,000.00
Periodic payment — Principal & Interest (monthly)$23,638.88
Additional monthly expenses (strata, tax, utilities, etc.)$2,672.58
Total monthly cost$26,311.47
Interest paid over 5-yr term$1,050,112.93
Balance at end of term$3,295,779.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$916,000
Stress test qualifying rate8.09%
Payment you must qualify for$28,174.88

Cash Needed at Closing

Minimum down payment$916,000
Estimated BC PTT$147,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$1,064,500

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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