Property Type: Detached HouseOwnership: Freehold

3959 Cedar Hill Cross Rd

Saanich, BC V8P2N8

$1,089,900

6 bed2 bath5 parking2,369 sqftBuilt 1953
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Property Details

Property & Lot

Sub-type
House
Lot size
10,402 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,450.42

Interior

Heating
Baseboard heaters, Natural gas, Hot Water
Cooling / A/C
None
Fireplace
Yes (1)

Building

Parcel ID (PID)
017-675-952

Parking

Total spaces
5 — uncovered indicated
Features
Stall

Room Dimensions

RoomLevelDimensions
SunroomOther
StorageLower level
Utility roomLower level
BedroomLower level
KitchenLower level
BathroomLower level
EntranceLower level
BedroomLower level
BedroomLower level
BathroomMain level
BedroomMain level
Primary BedroomMain level
BedroomMain level
SunroomMain level
KitchenMain level
Dining roomMain level
Living roomMain level

Listing Information

MLS®
1042983
Listed
July 14, 2026
Time on market
On the market for 48 days
Data last synced
August 31, 2026

Listing provided by: Sotheby's International Realty Canada · Data source: CREA DDF.

Description

Move-in ready by early October! Located close to the University of Victoria, groceries, restaurants, and entertainment, with easy access to major bus routes, downtown, and bike paths, this exceptional family home or investment opportunity sits on a generous 10,402 square foot lot in beautiful Maplewood. The main level features three bedrooms, one updated bathroom, a renovated kitchen, and a bright sunroom opening onto a large deck and fully fenced yard, perfect for entertaining, pets, and kids. Outside, you will find ample parking, a single-car garage, and a detached sunroom for extra finished space. The lower level offers a self-contained suite with an updated kitchen, bathroom, private entrance, and floating tile subfloor, ideal as a mortgage helper or for extended family. Key features include a roof replaced in 2015 and cleaned in 2021, double-pane vinyl windows from 2018, updated electrical in renovated areas, a new gas hot water tank, radiant hot water baseboard heating, recent exterior paint, and updated carpet and blinds throughout. (id:63159)

Values & Trends

This listing

$460/sqft

Building average

No other active listings in this building

Maplewood average

$574/sqft

9 active listing(s)

Parking: 5 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

11

2/9 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
Braefoot ElementaryElementary490 m
Reynolds SecondaryElementary651 m
Cedar Hill MiddleElementary997 m
Doncaster ElementaryElementary1.6 km
Lake Hill ElementaryElementary1.6 km
Cloverdale Traditional ElementaryElementary1.7 km
St. Margaret's(Independent)K-121.7 km
St Andrew's Regional High(Independent)Secondary1.7 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

Cafes (1)

  • Tim Hortons782 m

Parks (5+)

  • Reynolds Park · 3930 LaSalle Street239 m
  • Margaret Wright Park295 m
  • Braefoot Park360 m
  • Camas Park590 m
  • Century Park672 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($83,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$871,920.00
Periodic payment — Principal & Interest (monthly)$5,625.33
Additional monthly expenses (strata, tax, utilities, etc.)$572.20
Total monthly cost$6,197.53
Interest paid over 5-yr term$249,894.78
Balance at end of term$784,294.86

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$83,990
Stress test qualifying rate8.09%
Payment you must qualify for$7,735.10

Cash Needed at Closing

Minimum down payment$83,990
Estimated BC PTT$19,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$105,288

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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