102 6585 195A Street

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$939,900

102 6585 195A Street

Surrey · MLS® R3165017

342

1,826 sq ft · Condo · Single Family · built 2025 · 41 days on market

listed by Lovepreet Sanghera, Century 21 Coastal Realty Ltd.

realtor's description

Rare two-storey townhouse offering soaring 20-ft ceilings, tons of floor-to-ceiling windows and a rare find main floor bedroom with a generous double sink ensuite. A wraparound ground floor patio extends your living space, while the sleek kitchen features built-in appliances, modern cabinetry, and a full pantry with second fridge. Upstairs includes two spacious bedrooms each with an ensuite, an enclosed den, and side by side laundry with added shelving. This brand new 2025 building provides premium amenities including a gym, Peloton room and golf simulator, along with 2 parking and a storage locker. Perfect for buyers seeking modern design, privacy and convenience in a community. Thoughtful layout offers comfort and flexibility for families and professionals.

property details

type: Condo, Single Family
bedrooms: 3
bathrooms: 4
living area: 1,826 sq ft
parking: 2
year built: 2025
strata rules: Pets Allowed With Restrictions, Rentals Allowed
days on market: 41
MLS®: R3165017

features

Pets Allowed With Restrictions
Rentals Allowed
Washer
Refrigerator
Dishwasher
Stove

the market here

listed now: 69 days; median for 1018 condos for sale; this one 41 days

Condos in Surrey. Sale prices register 1 to 3 months after a sale closes.

property tax by year

year	assessed	est. tax
2026	$1,108,000	$3,797

Estimate: the BC Assessment value times Surrey'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

$4,137/mo

Mortgage $4,137

20% down at 4.44% fixed (Ratehub.ca), 25 years.

estimated payment

$4,137/ monthly

loan $751,920

25-year amortization

down payment20% · $187,98020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 28, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $489,069
property transfer tax: $0; $16,798 less $16,798 newly built exemption
cash to close: $187,980; down + PTT
total paid: $1,240,989

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.

if you rented it out

rent: $2,310/mo
after all costs: −$2,046/mo
cap rate: 2.7%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $4,137 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 3+ bedroom in Surrey: CMHC's average there ($1,956) raised by what new tenants pay against everyone in the Vancouver area, then down 3.5% with Vancouver'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