13766 North Bluff Road

White Rock · MLS® R3178888

577

4,370 sq ft · 5,664 sq ft lot · House · Single Family · built 2015 · listed today

listed by Raymond Lin, Sutton Group - 1st West Realty

realtor's description

Stunning newer home in the heart of White Rock! This 2015-built, 3-storey residence offers over 4,370 sq ft of impeccably finished living space on a 5,664 sq ft South-facing lot (42 ft frontage). The open-concept main level flows seamlessly into a chef's kitchen, wok kitchen, and spacious living/dining areas - perfect for entertaining. Four bedrooms each feature an ensuite and private balcony access (three upstairs, one on the main floor), while a media room with full bath offers flexible space for guests or extended family. A massive 1,948 sq ft rooftop deck with partial water views - your private urban oasis for year-round enjoyment. A self-contained 2-bedroom legal suite with private entrance and laundry provides excellent mortgage-helper potential.

property details

type: House, Single Family
bedrooms: 5
bathrooms: 7
living area: 4,370 sq ft
lot: 5,664 sq ft
parking: 7
year built: 2015
property tax: $11,518 / yr
days on market: 0
MLS®: R3178888

features

Washer
Refrigerator
Dishwasher
Stove
Dryer

the market here

listed now: 74 days; median for 134 houses for sale; this one listed today

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

property tax by year

year	assessed	est. tax
2026	$2,214,000	$9,562

The listing shows $11,518 a year in property tax.

Estimate: the BC Assessment value times White Rock'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

$11,412/mo

Mortgage $10,452 · Tax $960

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

estimated payment

$10,452/ monthly

loan $1,919,200

25-year amortization

down payment20% · $479,80020%+ down: no mortgage insuranceinterest rate4.34%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: $1,216,464
property transfer tax: $49,970; BC general rate
cash to close: $529,770; down + PTT
total paid: $3,135,664

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: $2,050/mo
your cost after the suite: $9,701/mo; vs $11,587 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $10,452 · tax $960 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 2-bedroom in White Rock: CMHC's average there ($1,813) 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

lot outline: 534 m² (5,748 sq ft) · PID 029-508-614. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

White RockGoogle Maps ↗

schools

Catchment schools, Surrey School District 36

Elementary Ray Shepherd Elementaryhomes in this catchment
300 m away · 1650 136 St, Surrey · 604-531-1471
Secondary Elgin Park Secondaryhomes in this catchment
1.7 km away · 13484 24 Ave, Surrey · 604-538-6678

From the Surrey School District 36'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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