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Pemberton Holmes Ltd.

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975 Annie St
homes for sale · Saanich · Quadra
975 Annie St — photo 1 of 40
1 / 40
$1,225,000

975 Annie St

Quadra, Saanich · MLS® 1051714

433

2,469 sq ft · 7,074 sq ft lot · House · Single Family · built 1992 · 11 days on market

listed by Tony Zarsadias, Rennie & Associates Realty Ltd.

realtor's description

Welcome to 975 Annie Street, a thoughtfully laid out home built in 1992 and set on a 7,140.13 sq. ft. lot in an established Saanich neighbourhood near Swan Lake and Christmas Hill. With 2,469 sq. ft. of finished living space, including a 669 sq. ft. one-bedroom lower-level suite that's entirely above grade, this property is an excellent fit for a growing family looking for room to spread out and the benefit of a mortgage helper. The main home offers three bedrooms upstairs, keeping the family together on one level, while a separate office provides space for working from home, homework or hobbies. A dedicated laundry room and practical floor plan make everyday living easy. Step onto the sunny south-facing deck overlooking a private backyard, ideal for outdoor meals, entertaining or time with the kids. A double-car garage adds valuable parking and storage. The above-grade suite provides flexibility for rental income or extended family. The location makes it easy to balance daily errands with an active lifestyle. It's a 10-minute walk to Saanich Centre at Quadra and McKenzie, home to Thrifty Foods, Starbucks and other services. Enjoy walks and hikes around Swan Lake Nature Sanctuary and Christmas Hill, both close to home. Cyclists will appreciate easy access along Saanich Road to the Lochside Regional Trail and connections to the Galloping Goose and downtown Victoria. UVic is about a 10-minute drive away, while major routes provide convenient access to the Peninsula and West Shore. For families wanting a well-designed floor plan, private outdoor space, a home office and help offsetting ownership costs, 975 Annie Street offers a compelling combination of comfort, flexibility and location.

similar homes nearby

call Tony

property details

type
House, Single Family
bedrooms
4
bathrooms
3
living area
2,469 sq ft
lot
7,074 sq ft
parking
3
year built
1992
property tax
$6,340 / yr
days on market
11
MLS®
1051714

features

  • Central location
  • Other
  • Washer
  • Refrigerator
  • Range - Electric
  • Dishwasher

monthly cost

$5,920/mo
Mortgage $5,391 · Tax $528

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

estimated payment
$5,391/ monthly
loan $980,000
25-year amortization
total interest
$637,418
property transfer tax
$22,500
BC general rate
cash to close
$267,500
down + PTT
total paid
$1,617,418
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

suite rent
$1,860/mo
your cost after the suite
$4,384/mo
vs $6,095 without it

Costs: mortgage $5,391 · tax $528 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 1-bedroom in Saanich: CMHC's average there ($1,594) 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 Rogers Elementaryhomes in this catchment

    1.1 km away · 765 Rogers Ave, Victoria · 250-727-0188

  • Middle Glanford Middlehomes in this catchment

    1.9 km away · 4140 Glanford Ave, Victoria · 250-479-7179

  • Secondary Reynolds Secondaryhomes in this catchment

    700 m away · 3963 Borden St, Victoria · 250-479-1696

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
Tony Zarsadias
Rennie & Associates Realty Ltd.
250-818-7526call Tony
Powered by: REALTOR.ca
▶ virtual tour

location

Quadra, SaanichGoogle Maps ↗

property tax by year

yearassessedest. tax
2026$1,219,000$6,340

The listing shows $6,340 a year in property tax.

Estimate: the BC Assessment value times 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.

the market here

sold vs last asking
-3.3%
median, 57 houses sold
listed now
42 days
median for 282 houses for sale; this one 11 days

Houses in 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.

1025 Greenridge Cres, Saanich
open houseHouse
$1,250,000
1025 Greenridge Cres
Quadra, Saanich1 day on market
listed by RE/MAX Camosun
4242,180 sq ft
MLS® 1052375
3219 RUTLEDGE St, Saanich
1000 Tattersall Dr, Saanich
House
1085 Hulford St, Saanich
978 Lovat Ave, Saanich
House
907 McAdoo Pl, Saanich
House
$869,900
House
$899,888
3219 RUTLEDGE St
Quadra, Saanich2 days on market
listed by eXp Realty
4241,916 sq ft
MLS® 1053298
$1,050,000
1000 Tattersall Dr
Quadra, Saanich38 days on market
listed by The Agency
5241,840 sq ft
MLS® 1050460
House
$969,000
1085 Hulford St
Quadra, Saanich8 days on market
listed by DFH Real Estate Ltd.
4241,846 sq ft
MLS® 1050255
$999,999
978 Lovat Ave
Quadra, Saanich14 days on market
listed by Pemberton Holmes Ltd.
432,326 sq ft
MLS® 1051525
8% under assessed
907 McAdoo Pl
Quadra, Saanich24 days on market
listed by Royal LePage Coast Capital - Chatterton
4221,644 sq ft
MLS® 1051680

location

lot outline: 663 m² (7,136 sq ft) · PID 017-693-004. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

Quadra, SaanichGoogle Maps ↗
Drive times
  • Reynolds Secondary2 min
  • Rogers Elementary4 min
  • University of Victoria7 min
  • Victoria General Hospital8 min
  • Downtown Victoria11 min
  • YYJ airport23 min
79

Walkability 79/100 · Walkable: many errands on foot

Within a 10 minute walk: 2 grocery stores, 6 places to eat or drink, 2 cafes, 6 parks and playgrounds, 1 school, 1 pharmacy, 19 transit stops.

mihom score from OpenStreetMap places, by straight line distance.