Property Type: DuplexOwnership: Strata

8108 Bertha St

Crofton, BC V0R1R0

$519,900

3 bed2 bath2 parking1,443 sqftBuilt 1993
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Property Details

Property & Lot

Sub-type
Duplex
Lot size
4,609 square feet
Zoning
Residential

R3

Ownership & Fees

Property type
Duplex
Ownership
Strata
Strata / maintenance fee
$0/mo
Annual property tax
$3,663.23

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
None
Fireplace
None

Exterior & Lot

View
Ocean view

Parking

Total spaces
2

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Living roomMain level19'3
Dining roomMain level11'6
KitchenMain level9'6 x 11'6
BathroomMain level6'9 x 7'5
BedroomMain level9'5 x 10'4
BedroomMain level10'6 x 12'10
EnsuiteLower level4'8 x 7'1
Primary BedroomLower level12'8
Laundry roomLower level7'10 x 8'11
StorageLower level6'11 x 7'11
EntranceLower level4'10 x 8'4

Listing Information

MLS®
1039669
Listed
June 8, 2026
Time on market
On the market for 84 days
Data last synced
August 28, 2026

Listing provided by: Pemberton Holmes Ltd. (Cow Vall) · Data source: CREA DDF.

Description

Wow...an affordable oceanview, 3-bedroom home just a short walk to the marina, beaches & the famous Crofton boardwalk. Sit out on the sundeck for morning coffee & take in ever-changing views over Oborne Bay to Saltspring Island. The functional plan offers flexibility to have the primary bedroom up or down. The spacious, open-concept kitchen, dining area & living room have a perfect flow, with all areas open to the views. There’s good off-street parking with the single carport, an additional concrete parking spot & possible sideyard RV space. The fully fenced backyard has a nice patio & a storage shed. Great community feeling; walk the kids to school & pick up groceries on the way back. Take advantage of the easy access to the Stuart Channel for your ocean recreation. Boating around the Gulf Islands, kayaking, fishing, crabbing & prawning are yours to enjoy. Head down to the boardwalk for a relaxed evening stroll along the ocean. This is the most idyllic Island lifestyle that awaits. (id:63159)

Values & Trends

This listing

$360/sqft

Building average

No other active listings in this building

Crofton average

$394/sqft

1 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

Nearest station: Duncan

14°C

Humidity 86%

Wind NNW calm km/h

Tonight

12°

Tuesday

21°

Tuesday night

14°

Wednesday

16°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

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
Crofton Elementary Community SchoolElementary334 m
Maple Bay ElementaryElementary7.3 km
Alex AitkenElementary8.4 km
Fernwood ElementaryElementary9.2 km
Chemainus SecondaryK-129.3 km
Queen of Angels School(Independent)Elementary/Middle9.3 km
Alexander ElementaryElementary9.3 km
Quamichan SchoolSecondary9.4 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)

  • Third Wave Coffee315 m

Parks (5+)

  • Crofton Community Centre274 m
  • Queen Street Park · 8060 Queen Street289 m
  • Crofton Recreation Park331 m
  • Gerry Hurst Skate Park · 1537 Chaplin Street337 m
  • Crofton Museum Park363 m

Nearby places data: © OpenStreetMap contributors.

School district: Cowichan (SD79)

Mortgage & Ownership Cost Calculator

Minimum required: 5.2% ($26,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$415,920.00
Periodic payment — Principal & Interest (monthly)$2,683.37
Additional monthly expenses (strata, tax, utilities, etc.)$377.27
Total monthly cost$3,060.64
Interest paid over 5-yr term$119,203.87
Balance at end of term$374,121.39

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$26,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,790.31

Cash Needed at Closing

Minimum down payment$26,990
Estimated BC PTT$8,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$36,888

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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