Property Type: Detached HouseOwnership: Freehold

451 Irwin St

Nanaimo, BC V9R4X9

$519,000

3 bed2 bath2 parking864 sqftBuilt 1910
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Property Details

Property & Lot

Sub-type
House
Lot size
7,679 square feet
Zoning
Residential

R5

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,192.14

Interior

Heating
Natural gas, Hot Water
Cooling / A/C
None
Fireplace
None

Exterior & Lot

View
Ocean view

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
BathroomOther3-Piece
StorageOther5'11
WorkshopMain level19'6 x 22'11
EntranceOther7'5 x 5'9
KitchenOther10'4 x 12'1
SunroomMain level16'4
Laundry roomMain level9'6
LoftMain level10'6 x 13'5
BedroomOther8'11 x 12'1
Living roomOther13'8 x 12'1
KitchenMain level10'6 x 13'5
BathroomMain level3-Piece
BedroomMain level10'3 x 9'6
Primary BedroomMain level14'8 x 9'8

Listing Information

MLS®
1043710
Listed
July 26, 2026
Time on market
On the market for 36 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Nanaimo Realty (NanIsHwyN) · Data source: CREA DDF.

Description

Welcome to your charming haven! This delightful 3-bedroom, 1-bath home is a canvas ready for your creative touch. Imagine serene mornings in a cozy space featuring a spacious walk-up attic—perfect for your unique ideas. Step outside to a huge deck where you can soak in breathtaking ocean views, the ideal spot for evening gatherings or sunset watching with loved ones. For hobbies, the property boasts an impressive over-height shop equipped with 220 power, a ceiling-mounted hoist, and a 170-volt air compressor—everything you need to bring your visions to life! Stay cozy year-round with radiant heat from the natural gas boiler and enjoy peace of mind with a new hot water tank. Your style will shine through with some aesthetic updates while building valuable sweat equity. Plus, a charming 500+ sq ft carriage house generates $900/month from a long-term tenant, creating a fantastic mortgage offset. Don’t miss this chance—come visit, fall in love, and make this home yours today! (id:63159)

Values & Trends

This listing

$601/sqft

Building average

No other active listings in this building

South Nanaimo average

$434/sqft

46 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

Partly Cloudy

15°C

Partly Cloudy

Humidity 85%

Wind N 2 km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

99,863

(2021 Census)

+10.3% since 2016

Density: 1,104.1/km²

Dwellings: 45,138

Median household income: $75,500

After-tax: $68,500

Immigrant population: 16.1%

Top countries of origin (% of total population)

  • United Kingdom3.5% · 3,495
  • China1.3% · 1,285
  • United States of America1.2% · 1,155
  • India1.1% · 1,075
  • Philippines1% · 1,040
  • Germany0.6% · 635
  • Korea, South0.5% · 470
  • Viet Nam0.5% · 455

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

22

3/9 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
Bayview ElementaryElementary541 m
Park Avenue ElementaryElementary1.5 km
Georgia Avenue ElementaryElementary1.6 km
John Barsby SecondarySecondary1.6 km
Learning AlternativesSecondary1.6 km
Pauline Haarer ElementaryElementary1.8 km
Fulford Community ElementaryElementary2.1 km
Fairview ElementaryElementary2.3 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 (3)

  • MGM · 240 Nicol Street413 m
  • Alice's Restaurant · 728 Nicol Street611 m
  • Ricky's All Day Grill - Nanaimo South/Days Inn · 809 Trans-Canada Highway787 m

Parks (4)

  • Mary Jane Peters Park117 m
  • Deverill Square Gyro 2 Park · 200 Irwin Street347 m
  • View Street Park · 38 View Street513 m
  • Knowles Park657 m

Gyms (1)

  • Dolly's Gym · 111 Nicol Street629 m

Nearby places data: © OpenStreetMap contributors.

School district: Nanaimo-Ladysmith (SD68)

Mortgage & Ownership Cost Calculator

Minimum required: 5.2% ($26,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$415,200.00
Periodic payment — Principal & Interest (monthly)$2,678.73
Additional monthly expenses (strata, tax, utilities, etc.)$309.01
Total monthly cost$2,987.74
Interest paid over 5-yr term$118,997.51
Balance at end of term$373,473.74

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$26,900
Stress test qualifying rate8.09%
Payment you must qualify for$3,784.08

Cash Needed at Closing

Minimum down payment$26,900
Estimated BC PTT$8,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$36,780

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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