Property Type: Land / LotOwnership: Freehold

395 St. Charles St

Victoria, BC V8S3N2

$1,595,000

3 bed1 bath4 parkingBuilt 1955
Get Directions

Property Details

Property & Lot

Lot size
9,200 square feet
Zoning
Residential

Missing Middle Initiative

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$6,708.94

Interior

Heating
Forced air, Natural gas
Cooling / A/C
None
Fireplace
Yes (1)

Parking

Total spaces
4

Room Dimensions

RoomLevelDimensions
PorchMain level4' x 13'
OfficeMain level10' x 7'
Laundry roomMain level6' x 12'
BedroomMain level8' x 10'
BedroomMain level9' x 11'
BathroomMain level4-Piece
Primary BedroomMain level10' x 14'
KitchenMain level10' x 12'
Dining roomMain level9' x 8'
Living roomMain level12' x 18'
EntranceMain level4' x 6'

Listing Information

MLS®
1038332
Listed
June 7, 2026
Time on market
On the market for 86 days
Data last synced
August 28, 2026

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

Description

Development Opportunity: Approved 8-Unit Townhouse Project at Chancler & St. Charles, Victoria, BC. Seize a prime investment opportunity in Victoria’s South Fairfield Gonzales neighbourhood, just steps from the Salish Sea, with this 9,200 sq ft development site at the corner of Chandler and St. Charles. Fully zoned and development permit-approved, offering a streamlined path to profitability in one of Victoria’s most desirable markets, minutes from downtown Victoria. A boutique collection of eight modern townhouses, featuring contemporary architecture that will enhance the neighbourhood and stand the design test of time. Tailored to meet strong market demand for Missing Middle price points, the project includes four ground-floor, single-level one- and two-bedroom units, ranging from 650 to 850 sq ft, with private entrances and generous patios, ideal for downsizers, young professionals, and families. Above these are four two-story, three-bedroom units of approximately 1,700 to 2,200 sq ft, with dramatic ceiling heights in main living areas and private rooftop decks, designed to attract families seeking unique, premium living spaces. Situated in South Fairfield, close to Ross Bay and Ross Bay Shopping Centre, steps away from Thrifties, Hollywood Park’s tennis courts, and the beautiful sandy Gonzales Bay Beach. Whether by foot, bike, or transit, residents can commute with ease to Oak Bay Village, Cook St Village, and Downtown Victoria. This quiet, residential enclave of Fairfield Gonzales provides everything needed for a well-connected, active lifestyle, The project includes four dedicated parking spots & two Modo car-share memberships per home, enhancing marketability by blending convenience with sustainable living. With zoning and permits secured, this development eliminates upfront hurdles, allowing you to focus on execution and capitalize on Victoria’s demand for premium, Missing Middle properties. Land cost per Buildable is $143.31 psf or $199,375.00 per Unit. (id:63159)

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

37

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
Margaret Jenkins ElementaryElementary592 m
Sir James Douglas ElementaryElementary775 m
Glenlyon Norfolk School(Independent)K-12819 m
Central Middle SchoolElementary1.3 km
Sundance-Bank ElementaryElementary1.6 km
Monterey Middle SchoolElementary1.8 km
Christ Church Cathedral School(Independent)Elementary/Middle1.8 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 (1)

  • Sushi Field226 m

Cafes (1)

  • Gonzales Coffee · 1548 Fairfield Road222 m

Grocery (1)

  • Thrifty Foods · 1590 Fairfield Road207 m

Parks (5+)

  • Hollywood Park · 1700 Fairfield Road214 m
  • Brooke Street Park · 1425 Brooke Street460 m
  • Little Ross Bay Green · 50 Saint Charles Street539 m
  • St. Charles Green612 m
  • Gonzales Park · 1809 Crescent Road630 m

Pharmacies (2)

  • Heart Pharmacy IDA255 m
  • Gonzales Pharmacy · 1845 Fairfield Road629 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($319,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,276,000.00
Periodic payment — Principal & Interest (monthly)$8,232.32
Additional monthly expenses (strata, tax, utilities, etc.)$559.08
Total monthly cost$8,791.40
Interest paid over 5-yr term$365,705.27
Balance at end of term$1,147,766.13

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$319,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,811.99

Cash Needed at Closing

Minimum down payment$319,000
Estimated BC PTT$29,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$350,400

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.

Request more information