Property Type: Detached HouseOwnership: Freehold

4120 Quadra St

Saanich, BC V8X3B9

$849,900

4 bed2 bath1 parking1,389 sqftBuilt 1978
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Property Details

Property & Lot

Sub-type
House
Lot size
9,673 square feet
Zoning
Residential

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,399.86

Interior

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

Parking

Total spaces
1

Room Dimensions

RoomLevelDimensions
StorageOther
StorageOther
BathroomMain level4-Piece
BedroomMain level
BedroomMain level
BedroomMain level
EnsuiteMain level4-Piece
Primary BedroomMain level
Eating areaMain level
KitchenMain level
Living roomMain level
EntranceMain level

Listing Information

MLS®
1036347
Listed
May 21, 2026
Time on market
On the market for 102 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty · Data source: CREA DDF.

Description

Set back from the road and framed by mature Garry oaks, this updated 4-bedroom, 2-bathroom rancher offers a rare blend of privacy, single-level living, and central Saanich convenience on a generous 9,680 sq ft lot. Inside, 1,389 sq ft of thoughtfully laid-out main-floor living centres on a bright living room with stone-surround gas fireplace, flowing into a spacious eat-in kitchen with maple cabinetry, stainless appliances, tile backsplash, and a dedicated dining area framed by a picture window onto the natural rockface beyond. Four bedrooms, including a comfortable primary with direct access to a 4-piece bath, give families, roommates, or work-from-home buyers real flexibility. A second full bathroom serves the remaining bedrooms. Step outside to two distinct outdoor retreats: a covered lower deck off the kitchen for year-round use, and a private upper sundeck perched in the treetops, perfect for morning coffee surrounded by birdsong. A detached shed, covered storage, carport, and long driveway round out the practical side. All of this just minutes to Saanich Centre, Uptown, transit, schools, and the trails of Christmas Hill and Rithet's Bog. (id:63159)

Values & Trends

This listing

$612/sqft

Building average

No other active listings in this building

High Quadra average

$438/sqft

5 active listing(s)

Parking: 1 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

15

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
Rogers ElementaryElementary610 m
Lake Hill ElementaryElementary630 m
St Andrew's Regional High(Independent)Secondary761 m
Pacific Christian School(Independent)Elementary860 m
St. Margaret's(Independent)K-12880 m
Reynolds SecondaryElementary1.3 km
Glanford Middle SchoolElementary1.4 km
McKenzie ElementaryElementary1.6 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

Grocery (2)

  • Vicart · 4089 Quadra Street222 m
  • Jempoy's Lechon Victoria · 4087 Quadra Street233 m

Parks (5+)

  • Roger's Court Park225 m
  • Bruce Hutchison Park365 m
  • Beckwith Park · 857 Beckwith Avenue515 m
  • Vic Derman Park · 4099 Patricia Bay Highway624 m
  • Ambassador Park · 4130 Borden Street634 m

Nearby places data: © OpenStreetMap contributors.

School district: Victoria (SD61)

Mortgage & Ownership Cost Calculator

Minimum required: 7.1% ($59,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$679,920.00
Periodic payment — Principal & Interest (monthly)$4,386.61
Additional monthly expenses (strata, tax, utilities, etc.)$435.66
Total monthly cost$4,822.27
Interest paid over 5-yr term$194,867.03
Balance at end of term$611,590.24

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$59,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,074.13

Cash Needed at Closing

Minimum down payment$59,990
Estimated BC PTT$14,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$76,488

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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