11872 78B Avenue

Delta · MLS® R3157791

762

3,183 sq ft · 7,920 sq ft lot · House · Single Family · built 2026 · 69 days on market

listed by Peter Grewal, Team 3000 Realty Ltd.

realtor's description

Welcome to North Delta's exceptional brand new 7 bed, 6-bath half-duplex offering modern living at it's finest. The open-concept main floor features a gourmet kitchen with high-end appliances, separate Spice kitchen, and spacious living & dining areas-perfect for both everyday living & entertaining. Premium finishes are showcased throughout. Upstairs offers 3 generously sized bedrooms. This property stands out with two legal income-generating suites: a 2-bed basement suite (potential to convert into a 3-bed, 2-bath) & a fully detached legal 1-bed garden suite ideal for extended family or strong rental income. AC, EV charging, BBQ Gas hookup & oversized covered deck for year-round enjoyment. Huge Backyard with excellent privacy. Backed by 2-5-10 warranty. SHOWHOME LOCATED AT 11912 78B Ave.

property details

type: House, Single Family
bedrooms: 7
bathrooms: 6
living area: 3,183 sq ft
lot: 7,920 sq ft
parking: 2
year built: 2026
property tax: $5,252 / yr
days on market: 69
MLS®: R3157791

features

Washer
Refrigerator
Dishwasher
Stove
Dryer

the market here

listed now: 61 days; median for 407 houses for sale; this one 69 days

Houses in Delta. Sale prices register 1 to 3 months after a sale closes.

property tax by year

year	assessed	est. tax
2026	$1,292,200	$5,236

The listing shows $5,252 a year in property tax.

Estimate: the BC Assessment value times Delta'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

$7,167/mo

Mortgage $6,729 · Tax $438

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

estimated payment

$6,729/ monthly

loan $1,223,200

25-year amortization

down payment20% · $305,80020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 29, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $795,602
property transfer tax: $28,580; BC general rate
cash to close: $334,380; down + PTT
total paid: $2,018,802

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

suite rent: $2,020/mo
your cost after the suite: $5,484/mo; vs $7,342 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $6,729 · tax $438 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 2-bedroom in Delta: CMHC's average there ($1,787) raised by what new tenants pay against everyone in the Vancouver area, then down 0.8% 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

location

DeltaGoogle Maps ↗

schools

Catchment schools, Delta School District 37

Elementary Jarvis Elementaryhomes in this catchment
300 m away · 7670 118 St, Delta · 604-594-3484
Secondary North Delta Secondaryhomes in this catchment
1.1 km away · 11447 82 Ave, Delta · 604-596-7471

From the Delta School District 37'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.

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