1824 Swartz Bay Rd

Swartz Bay, North Saanich · MLS® 1053257

214

1,219 sq ft · 0.99 acres lot · House · Single Family · built 1960 · 3 days on market

listed by Keith Berkes, Royal LePage Coast Capital - Chatterton

realtor's description

LOT VALUE ONLY. WHAT A BEAUTIFUL, HUGE SWARTZ BAY BUILDING LOT. It is mostly level and cleared .99 of an acre is perfect for a family home. GORGEOUS VIEWS not seen from anywhere else. such as views of mountains, the marina, Tsehum Lagoon and the park can be planned into your leisure time and enjoyed from your new home. this offering is being sold for lot only , The house is UNLIVABLE!!! Please DONOT enter the building. It is very UNSAFE. Additions WITHOUT Permits. so close to the most vibrant town of Sidney by the Sea and all that the surrounding areas offer, including restaurants, pubs, shopping, schools, bus routes, YYJ, BC Ferries, marinas, beaches and parks. Are you ready for a whole new life style when it is all completed? Come and look

property details

type: House, Single Family
bedrooms: 2
bathrooms: 1
living area: 1,219 sq ft
lot: 0.99 acres
parking: 4
year built: 1960
property tax: $3,186 / yr
days on market: 3
MLS®: 1053257

features

Private setting
Other
Rectangular

the market here

sold vs last asking: -5.1%; median, 10 houses sold
listed now: 45 days; median for 71 houses for sale; this one 3 days

Houses in North Saanich, 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.

property tax by year

year	assessed	est. tax
2026	$877,000	$2,941

The listing shows $3,186 a year in property tax.

Estimate: the BC Assessment value times North Saanich'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.

monthly cost

$5,983/mo

Mortgage $5,717 · Tax $266

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

estimated payment

$5,717/ monthly

loan $1,039,200

25-year amortization

down payment20% · $259,80020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 30, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $675,924
property transfer tax: $23,980; BC general rate
cash to close: $283,780; down + PTT
total paid: $1,715,124

first-time buyernewly builtforeign national

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.