Greater Victoria Areas
1060 Ferncliffe Place in VICTORIA: Me Metchosin Single Family Detached for sale (Metchosin) : MLS®# 417018$1,185,000Residential
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- 5,042 sq. ft.468 m2This stunning Metchosin property is perfect for a growing family or someone looking to realize rental income. The home offers a lovely covered porch entry that leads to a true entertaining space with a library/piano room, living room & large family room (both w/fireplace). This floor continues with a custom kitchen, offering tons of space & a large dining-room that holds a table big enough to fit the whole family! Upstairs you will find 4 generous sized bedrooms & master/family bathrooms. On the lower level the owners have created the ultimate sports enthusiast’s rec room! This level also has laundry, storage and a 1 bedroom suite. A detached 2 car garage offers an upper level suite that’s perfect for guests. The property has been cleared to allow for your landscaping ideas while maintaining many trees for privacy. Its proximity to amenities and trails makes life's commute easy. Check out the virtual tour & video links for more information & book your private showing today! More detailsListed by Coldwell Banker Oceanside Real Estate
4090 Saddleback Road in VICTORIA: Me Metchosin Single Family Detached for sale (Metchosin) : MLS®# 416548$899,000Residential
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- 2,400 sq. ft.223 m2A tree lined driveway leads to this fantastic family home nestled on 2 private acres. The bright foyer features beautiful tile floors and a grand winding staircase. Gleaming Brazilian cherry floors, vaulted ceilings and stone fireplace in the formal living and dining room provide for elegant entertaining. The bright kitchen boasts a wall of windows along with a walk in pantry, island, loads of cupboard space and a breakfast nook. The open family area includes a cozy fireplace and sliders leading to the private patio with covered BBQ area, hot tub and gazebo. A two piece powder room, bright 4th bedroom currently used as a den, laundry room and lots of storage complete the main level. Upstairs features 3 more large bedrooms, including a master with private deck, walk in closet, fireplace and full ensuite with jetted soaker tub. You'll love the oversize double garage with workbench area and more storage. The expansive grounds provide parking for several cars and an RV. More detailsListed by Pemberton Holmes - Cloverdale
4344 Happy Valley Road in VICTORIA: Me Metchosin Land for sale (Metchosin) : MLS®# 408085$1,099,000Land
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- 408085Quintessential Metchosin farmland & part of the original Oak Bay Beach Hotel Farm. Lush, level, well drained, fenced & arable 9.88ac in the Agricultural Land Reserve is certain to please the discerning farm aficionado. The beautifully tree-lined driveway accesses this special property consisting of mostly level agricultural land of which much is cleared for farming purposes. Approx 5.5ac+/- are utilized as farm/hay fields, 3 large two-level buildings totaling over 64,000sf (most recently used to house chickens) & a 35’4”x13’6” workshop occupy approx 1.75ac+/- & the remaining 2.6ac+/- consists of the perimeter areas comprised of trees & light brush. A short stroll to Metchosin Town Centre & My Chosen Cafe, mins to schools, celebrated Witty’s Lagoon Park, Galloping Goose Trail, Metchosin & Olympic View Golf Courses, less than 15 mins to Westshore Centre & 30 mins to downtown. This unique property represents the best in Metchosin farmland. A rare find & outstanding value. GST applicable More detailsListed by RE/MAX Camosun
Please note - when buying a home you do NOT pay any fees for my buying services.
When purchasing a home, you are faced with many decisions! Locating the perfect home is not always an easy task, and obtaining a mortgage loan can be a complex and tiring process. Once you have determined that you are ready to move forward with your home-purchasing goal, the rewards are unquestionable.
While at your side each step of the way, I will make the process of purchasing a home easier, more enjoyable, less time-consuming, and less expensive than if you undertook this challenge on your own. I will help you prepare so that sellers perceive you as a preferred buyer, help you locate and assess properties for sale that match your specifications, and help you through the myriad of details attending the actual purchase.
I am always familiar with the current homes on the market, and I know neighborhood values well, so I can help you determine which properties are fairly-priced and in good condition before you start your search.
Your Next Step: Loan Pre-Qualification
Even before you start your search to buy a home - you should obtain pre-approval for your mortgage. I can help you do this and here's why ...
* By getting pre-approved you'll have a better idea how much you can borrow, how much you can afford and the cost of your monthly mortgage payments.
* If you decide to choose a fixed interest rate mortage you are guaranteed that rate for the 90-day pre-approval period.
* When you decide to make an offer you will be able to act more quickly because you have been pre-approved. Call me and I will refer you to a mortgage professional that has an excellent reputation and track record for successfully acquiring loan approval for his/her clients.
I Will Find The Right Homes For You
Once you've been pre-qualified and know what price range you want to stay in, I can help you determine which properties fit your needs by using the (MLS) Multiple Listing Service system to locate them. I have the best possible resources and communication systems available today to help you locate the homes on the market that match your specifications. You can even search my listings here at my website.
I Will Help You Every Step Of The Way
I will help you complete your financing and inspections, and close on the transaction. My top priority is to make sure that your home buying experience is pleasant, cost-efficient, and successful.
The various charges can add up and for the most part they are all legally required payments in buying a property. These payments include:
1. Legal fees: Legal representation is important. Most legal fees include searching the title of a property, arranging a property survey if necessary, and handling other disbursements as required.
2. Mortgage Insurance and Application Fee: This type of insurance is required on all mortgage loans in excess of 75% of the appraised property value. Its purpose is to ensure that the lender will not lose money if you cannot make your mortgage payments and the value of your property is not sufficient to repay your mortgage debt. The insurance premium is paid to the lender and ranges from % to 3.75% of the loan value; however, in most cases this premium is added to the loan amount, and paid for over the term of the loan.
3. Property Insurance: this insurance covers the replacement value of your home and its contents. Most mortgage lenders will require proof that you have this insurance before processing a mortgage. The lending institution may also require an appraisal of the property before approving your loan; the cost may be your responsibility.
4. Home Inspection: a professional home inspector knows what to look for and can confirm or add to the information you have gleaned from the REALTOR® or your inspection.
5. Property Transfer Tax: Understand your taxes. The amount of tax you pay is based on the fair market value of the land and improvements (e.g. buildings) on the date of registration. The tax is charged at a rate of:
1. 1% on the first $200,000,
2. 2% on the portion of the fair market value greater than $200,000 and up to and including $2,000,000, and
3. 3% on the portion of the fair market value greater than $2,000,000.
There are special regulations for first time buyers in B.C.
6. Property Tax: You will have to reimburse the sellers for your share of the year's taxes if they have already paid them in full. Property taxes are calculated from January - December, and are paid in June. The Newly Built Home Exemption reduces or eliminates the amount of property transfer tax you pay when you purchase a newly built home. You may check out details on this page: BC Government Exemptions.
7. Extra charges: the Lending institution may also require a Survey. You will be responsible for the cost.
8. Hook-ups: there may be charges required for appliances and services such as telephone, TV cable, hydro and other utilities.
9. Moving costs: don't forget basic costs involved in moving from your old into your new home.
Just remember to add the closing costs to your financial plan when saving to buy a home. If you need a list of legal advisors who specialize in real estate please Contact me: 250-893-1016 (Direct)
If you wish to receive up-to-the-minute listings within your own search criteria, please contact me to set up your personal automatic search. You will receive all the latest listings in your area of choice - by Email.