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Pemberton Holmes Ltd.

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125 2345 Cedar Hill Cross Rd
homes for sale · Oak Bay · Henderson
125 2345 Cedar Hill Cross Rd — photo 1 of 40
1 / 40
$1,150,000

125 2345 Cedar Hill Cross Rd

Henderson, Oak Bay · MLS® 1053245

all units at 2345 Cedar Hill Cross Rd →

224

1,612 sq ft · 2,410 sq ft lot · Townhouse · Single Family · built 1980 · 2 days on market

listed by Julie Rust, Engel & Volkers Vancouver Island

realtor's description

PREMIER LOCATION in prestigious Uplands Estates. Enjoy ONE LEVEL LIVING with unobstructed views of the tranquil pond and Uplands Golf Course from this south-facing home. Thoughtfully designed with generous rooms and an excellent layout, it features a spacious primary suite with patio access, walk-in closet, & 4-piece ensuite. The bright sunken living room with cozy wood-burning fireplace, formal dining room, and kitchen with breakfast nook opening to the front porch create inviting spaces for everyday living and entertaining. Additional highlights include a laundry room, double car garage (workshop currently in 1/2 of the garage space) & convenient visitor parking. A beautiful water view outlook from all primary rooms, the perfect palette to make it your own. Walk to Henderson Rec, UVIC, Uplands Golf Course, Victoria Yacht Club and Cadboro Bay Village. Located in a gated, secure adult-oriented community surrounded by ponds, fountains & gardens—peaceful, park-like living at its finest.

property details

type
Townhouse, Single Family
bedrooms
2
bathrooms
2
living area
1,612 sq ft
lot
2,410 sq ft
parking
4
year built
1980
property tax
$5,971 / yr
strata fee
$778 / mo ($0.48 / sq ft)
strata rules
Pets Allowed With Restrictions, Age Restrictions
days on market
2
MLS®
1053245

features

  • Central location
  • Park setting
  • Private setting
  • Southern exposure
  • Other
  • Marine Oriented

monthly cost

$6,337/mo
Mortgage $5,061 · Tax $498 · Strata $778

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

estimated payment
$5,061/ monthly
loan $920,000
25-year amortization
total interest
$598,393
property transfer tax
$21,000
BC general rate
cash to close
$251,000
down + PTT
total paid
$1,518,393
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
$2,330/mo
after all costs
−$4,368/mo
cap rate
0.7%
yearly net rent ÷ price

Costs: mortgage $5,061 · tax $498 · strata $778 · insurance ~$175 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 2-bedroom in Oak Bay: CMHC's average there ($1,983) raised by what new tenants pay against everyone in the Victoria area, then down 1.9% 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

location

Henderson, Oak BayGoogle Maps ↗

schools

Catchment schools, Greater Victoria School District 61

  • Elementary Campus View Elementaryhomes in this catchment

    1.5 km away · 3900 Gordon Head Rd, Victoria · 250-477-0178

  • Middle Arbutus Global Middlehomes in this catchment

    1.7 km away · 2306 Edgelow St, Victoria · 250-477-1878

  • Secondary Mount Douglas Secondaryhomes in this catchment

    1.9 km away · 3970 Gordon Head Rd, Victoria · 250-477-6977

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
Julie Rust
Engel & Volkers Vancouver Island
call Julie · 250-888-1570
Powered by: REALTOR.ca

similar homes nearby

property tax by year

yearassessedest. tax
2026$1,090,000$5,971
2025$984,000$5,065

Estimated tax up 17.9% from 2025 to 2026.

The listing shows $5,971 a year in property tax.

Estimate: the BC Assessment value times Oak Bay'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.

the market here

listed now
28 days
median for 18 townhouses for sale; this one 2 days

Townhouses in Oak Bay. Sale prices register 1 to 3 months after a sale closes.

location

the building's lot: 37,814 m² (407,026 sq ft) · PID 000-120-545. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

Henderson, Oak BayGoogle Maps ↗
Drive times
  • Campus View Elementary3 min
  • Victoria International High School - Uplands Campus3 min
  • University of Victoria3 min
  • Royal Jubilee Hospital8 min
  • Downtown Victoria14 min
  • YYJ airport32 min
56

Walkability 56/100 · Somewhat walkable: some errands on foot

Within a 10 minute walk: 5 parks and playgrounds, 1 school, 12 transit stops.

mihom score from OpenStreetMap places, by straight line distance.

3 3513 Henderson Rd, Oak Bay
Townhouse
$1,299,000
3 3513 Henderson Rd
Henderson, Oak Bay59 days on market
listed by RE/MAX Camosun
3461,816 sq ft
MLS® 1048292
129 2345 Cedar Hill Cross Rd, Oak Bay
Townhouse
$1,199,900
24% less per sq ft
129 2345 Cedar Hill Cross Rd
Henderson, Oak Bay94 days on market
listed by RE/MAX Camosun
22
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33
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4 2100 Allenby St, Oak Bay
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Henderson, Oak Bay28 days on market
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3 2100 Allenby St, Oak Bay
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$1,274,900
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Henderson, Oak Bay28 days on market
listed by Engel & Volkers Vancouver Island
33
2
1,718 sq ft
MLS® 1043883
1
1,397 sq ft
MLS® 1051331
1
1,397 sq ft
MLS® 1051325
1
1,394 sq ft
MLS® 1051323
1
1,397 sq ft
MLS® 1051280