mihom.ca
Saved
mihom

find your home. homes for sale across Canada, with real prices and every neighbourhood in one place.

  • search homes
  • map search
  • browse by area
  • your saved homes
  • homes by city
  • BC housing market
  • what's my home worth?
  • buying an older condo
homes for sale by city
  • Vancouver homes for sale
  • Surrey homes for sale
  • Kelowna homes for sale
  • Richmond homes for sale
  • Burnaby homes for sale
  • Langley homes for sale
  • Coquitlam homes for sale
  • Abbotsford homes for sale
  • Chilliwack homes for sale
  • Kamloops homes for sale
  • North Vancouver homes for sale
  • Maple Ridge homes for sale
  • Prince George homes for sale
  • Nanaimo homes for sale
  • Vernon homes for sale
  • Delta homes for sale
  • West Kelowna homes for sale
  • New Westminster homes for sale
  • Victoria homes for sale
  • Mission homes for sale
  • Langford homes for sale
  • Saanich homes for sale
  • West Vancouver homes for sale
  • Penticton homes for sale
  • Osoyoos homes for sale
  • Port Coquitlam homes for sale
  • White Rock homes for sale
  • Whistler homes for sale
  • Campbell River homes for sale
  • Port Moody homes for sale
popular neighbourhoods
  • Lower Mission, Kelowna
  • Kelowna North, Kelowna
  • Westbank Centre, West Kelowna
  • Kelowna South, Kelowna
  • Main North, Penticton
  • Downtown, Victoria
  • Rutland North, Kelowna
  • Bear Mountain, Langford
  • Lakeview Heights, West Kelowna
  • North Nanaimo, Nanaimo
  • East Duncan, Duncan
  • Main South, Penticton
  • Lake Country South West, Lake Country
  • Springfield/Spall, Kelowna
  • Glenmore, Kelowna
  • NE Salmon Arm, Salmon Arm
  • Campbell River Central, Campbell River
  • Willow Point, Campbell River
  • South Kamloops, Kamloops
  • Brocklehurst, Kamloops
  • Shannon Lake, West Kelowna
  • West Duncan, Duncan
  • City of Vernon, Vernon
  • South Nanaimo, Nanaimo
by property type
  • condos in Vancouver
  • houses in Vancouver
  • townhouses in Vancouver
  • houses in Surrey
  • condos in Surrey
  • townhouses in Surrey
  • houses in Kelowna
  • condos in Kelowna
  • townhouses in Kelowna
  • condos in Richmond
  • houses in Richmond
  • townhouses in Richmond
  • condos in Burnaby
  • houses in Burnaby
  • townhouses in Burnaby
by price
  • Vancouver homes under $500K
  • Vancouver homes under $1M
  • Vancouver homes under $2M
  • Vancouver homes over $2M
Alberta
  • all Alberta homes
  • Calgary homes for sale
  • Edmonton homes for sale
  • Lethbridge homes for sale
  • Airdrie homes for sale
  • Red Deer homes for sale
  • Cochrane homes for sale
  • Grande Prairie homes for sale
  • Spruce Grove homes for sale
  • Chestermere homes for sale
  • Rural Rocky View County homes for sale
  • Leduc homes for sale
  • Fort McMurray homes for sale
  • Camrose homes for sale
  • Rural Parkland County homes for sale
  • St. Albert homes for sale
  • Medicine Hat homes for sale
  • Rural Grande Prairie No. 1, County of homes for sale
  • Sherwood Park homes for sale
  • Fort Saskatchewan homes for sale
  • Sylvan Lake homes for sale
Pemberton Holmes Ltd.

mihom.ca is operated by Dan Robbins, REALTOR®, Pemberton Holmes Ltd.

REALTOR®, REALTORS®, and the REALTOR® logo are certification marks that are owned by REALTOR® Canada Inc. and licensed exclusively to The Canadian Real Estate Association (CREA). These certification marks identify real estate professionals who are members of CREA and who must abide by CREA's By-Laws, Rules, and the REALTOR® Code. The MLS® trademark and the MLS® logo are owned by CREA and identify the quality of services provided by real estate professionals who are members of CREA. Listing data via CREA's DDF®. about · terms of use · privacy · © 2026 mihom.

106 405 Quebec St
homes for sale · Victoria · James Bay
106 405 Quebec St — photo 1 of 33
1 / 33
$688,000

106 405 Quebec St

James Bay, Victoria · MLS® 1052248

121

891 sq ft · Condo · Single Family · built 1994 · 16 days on market

listed by Chris Logan, eXp Realty

realtor's description

One bed plus den! Only a block from the Inner Harbour, the Polo Pacific is one of James Bay's best-loved buildings, and this unit has it all. It's big: almost 900 square feet. One bedroom, two bathrooms, and a separate den give you lots of options: room for guests, a home office, or your own creative space. The bedroom has a big walk-in closet and private ensuite and the secluded west-facing patio provides a quiet retreat. The building is solidly managed, pet friendly, rentable, and has no age restrictions. Strata fees cover gas and hot water. Walk to Beacon Hill Park, the waterfront, restaurants, transit, and the harbour. James Bay draws people like you who want to live well in a safe, walkable urban neighbourhood. Make yourself at home!

property details

similar homes nearby

all units at 405 Quebec St →
type
Condo, Single Family
bedrooms
1
bathrooms
2
living area
891 sq ft
parking
1
year built
1994
property tax
$3,627 / yr
strata fee
$622 / mo ($0.70 / sq ft)
strata rules
Pets Allowed
days on market
16
MLS®
1052248

buying in a building from 1982 to 2000: what to read first

features

  • Level lot
  • Corner Site
  • Other
  • Rectangular
  • Family Oriented
  • Pets Allowed

monthly cost

$3,952/mo
Mortgage $3,028 · Tax $302 · Strata $622

20% down at 4.44% fixed (Ratehub.ca), 25 years; tax from the listing; strata fee from the listing.

estimated payment
$3,028/ monthly
loan $550,400
25-year amortization
total interest
$357,995
property transfer tax
$11,760
BC general rate
cash to close
$149,360
down + PTT
total paid
$908,395
transfer tax

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer. Transfer tax: 1% to $200k, 2% to $2M, 3% to $3M, 5% above. First-time buyers pay nothing on the first $500k for homes up to $835k (phasing out by $860k); newly built homes are exempt up to $1.1M (phasing out by $1.15M). Both need Canadian citizenship or permanent residence and other conditions; the 20% foreign buyer tax applies in Metro Vancouver, the Fraser Valley, the Capital Region, Central Okanagan and Nanaimo.

if you rented it out

rent
$1,890/mo
after all costs
−$2,248/mo
cap rate
1.4%
yearly net rent ÷ price

Costs: mortgage $3,028 · tax $302 · strata $622 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 1-bedroom in James Bay, Victoria: CMHC's average there ($1,621) raised by what new tenants pay against everyone in the Victoria area, then down 1% with Victoria's asking rents, 2025 Q4 → 2026 Q2. (CMHC Rental Market Survey, October 2025; CMHC Rental Market Report 2025, table 6.0 (rents on units that turned over to a new tenant); trend: Statistics Canada.) Houses usually rent for more than apartments. 25-year mortgage; rental purchases need at least 20% down.

BC rules for landlords
  • Short-term rentals are limited to the host's principal residence in most communities. gov.bc.ca
  • Rent increases are capped once a year at the province's set amount. gov.bc.ca
  • The speculation and vacancy tax applies in many areas to homes not lived in or rented out. gov.bc.ca
  • Selling within two years of buying can trigger the BC home flipping tax. gov.bc.ca

schools

Catchment schools, Greater Victoria School District 61

  • Elementary South Park Elementaryhomes in this catchment

    700 m away · 508 Douglas St, Victoria · 250-382-5234

  • Middle Central Middlehomes in this catchment

    2.0 km away · 1280 Fort St, Victoria · 250-386-3591

  • Secondary Victoria Highhomes in this catchment

    2.2 km away · 1260 Grant St, Victoria · 250-388-5456

From the Greater Victoria School District 61's published catchment maps. A catchment gives priority, not a guaranteed seat, and French immersion and choice programs work differently. The district confirms catchment: check with its school locator.

Keep private notes and ratings on homes you're considering. (email only) and they follow you to every device.

listed by
Chris Logan
eXp Realty
call Chris · 250-884-6976
Powered by: REALTOR.ca
▶ virtual tour

location

James Bay, VictoriaGoogle Maps ↗

property tax by year

yearassessedest. tax
2026$638,800$3,613
2025$614,900$3,200

Estimated tax up 12.9% from 2025 to 2026.

The listing shows $3,627 a year in property tax.

Estimate: the BC Assessment value times Victoria's residential tax rate for that year (Province of BC, local government statistics). Leaves out the home owner grant, parcel taxes and utility charges; the city's tax notice is the real figure.

development nearby

  • Rezoning for a 7 storey building

    160 m away · 2023 · under review · 475 Kingston Street

    The City is considering a Rezoning Application to add multiple dwelling residential uses to facilitate the development of an approximately seven-storey, multiple dwelling building. Concurrent with DP000625.

  • Rezoning

    280 m away · 2021 · under review · 205 Quebec Street, 507 Montreal Street, and 210-224 Kingston Street

    The City is considering a Rezoning application to a site-specific zone for a new development which includes commercial and residential uses. Concurrent with DPV00191.

Applications filed with the city, active or decided in the last 3 years, measured from the listing's map pin. An application isn't an approval; the city's page has the current details. Source: City of Victoria development tracker.

the market here

sold vs last asking
-3.1%
median, 72 condos sold
listed now
43 days
median for 349 condos for sale; this one 16 days

Condos in Victoria, registered sales in the last 6 months (BC Assessment) against each home's last asking price on the MLS®. Sale prices register 1 to 3 months after a sale closes.

204 420 Parry St, Victoria
Condo
$545,000
34% less per sq ft
204 420 Parry St
James Bay, Victoria49 days on market
listed by Royal LePage Coast Capital - Chatterton
2211,122 sq ft
MLS® 1049472
710 620 Toronto St, Victoria
Condo
$579,000
710 620 Toronto St
James Bay, Victoria84 days on market
listed by Macdonald Realty Victoria
21
118 530 Michigan St, Victoria
Condo
$569,900
118 530 Michigan St
James Bay, Victoria3 days on market
listed by Coldwell Banker Oceanside Real Estate
11
207 405 Quebec St, Victoria
Condo
$739,000
207 405 Quebec St
James Bay, Victoria2 days on market
listed by Royal LePage Coast Capital - Oak Bay
22
414 21 Dallas Rd, Victoria
Condo
$599,900
12% under assessed
414 21 Dallas Rd
James Bay, Victoria7 days on market
listed by Royal LePage Coast Capital - Chatterton
11
403 300 Michigan St, Victoria
Condo
$829,000
403 300 Michigan St
James Bay, Victoria8 days on market
listed by The Agency
22
1
789 sq ft
MLS® 1046354
527 sq ft
MLS® 1052658
1
1,082 sq ft
MLS® 1052438
1
879 sq ft
MLS® 1052925
1
1,027 sq ft
MLS® 1052891

location

James Bay, VictoriaGoogle Maps ↗
Drive times
  • Downtown Victoria3 min
  • Heritage Community College3 min
  • Sir James Douglas Elementary6 min
  • Victoria High8 min
  • Royal Jubilee Hospital10 min
  • YYJ airport33 min
94

Walkability 94/100 · Very walkable: most errands on foot

Within a 10 minute walk: 2 grocery stores, 59 places to eat or drink, 13 cafes, 15 parks and playgrounds, 3 schools, 2 pharmacies, 36 transit stops.

mihom score from OpenStreetMap places, by straight line distance.