104 433 E 3rd Street

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$1,609,900

104 433 E 3rd Street

North Vancouver · MLS® R3076694

all units at 433 E 3rd St →

341

1,866 sq ft · Townhouse · Single Family · built 2026 · 293 days on market

listed by Cosmo Valente, Oakwyn Realty Ltd.

realtor's description

Welcome to TERZA by NAM Developments. A boutique collection of urban townhomes in North Vancouver´s Lower Lonsdale neighborhood. Prime location within walking distance of various parks, schools, recreation and urban conveniences. Contemporary homes that have been intelligently designed to the highest B.C. Building Code Step 4. TERZA is net-zero-ready & will save homeowners up to 50% in energy efficiency & sustainability compared to traditional homes. Luxurious features include: air conditioning, spacious city view decks, Quartz tops, Kohler fixtures, sleek roller blinds & a Fisher Paykel appliance package. Designed by Helen Basharat of BFA Studio Architects. Walk to Shipyards, Lonsdale Quay and all the funky Lonsdale shops. These homes will not disappoint!

property details

type: Townhouse, Single Family
bedrooms: 3
bathrooms: 4
living area: 1,866 sq ft
parking: 1
year built: 2026
strata fee: $457 / mo ($0.25 / sq ft)
days on market: 293
MLS®: R3076694

features

Central location
Rural Setting
Dishwasher

the market here

listed now: 41 days; median for 131 townhouses for sale; this one 293 days

Townhouses in North Vancouver. Sale prices register 1 to 3 months after a sale closes.

property tax by year

year	assessed	est. tax
2026	$4,338,000	$14,237

Estimate: the BC Assessment value times North Vancouver'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

$7,472/mo

Mortgage $7,014 · Strata $457

20% down at 4.34% fixed (Ratehub.ca), 25 years; strata fee from the listing.

estimated payment

$7,014/ monthly

loan $1,287,920

25-year amortization

down payment20% · $321,98020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 26, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $816,334
property transfer tax: $30,198; BC general rate
cash to close: $352,178; down + PTT
total paid: $2,104,254

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: $3,940/mo
after all costs: −$4,022/mo
cap rate: 2.2%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $7,014 · strata $457 · insurance ~$175 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 3+ bedroom in North Vancouver: CMHC's average there ($3,333) 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