14718 90A Avenue

Surrey · MLS® R3145040

666

4,587 sq ft · 7,257 sq ft lot · House · Single Family · built 2023 · 110 days on market

listed by Lovepreet Sanghera, Century 21 Coastal Realty Ltd.

realtor's description

Exceptional opportunity offering outstanding value in a thoughtfully designed, family friendly home finished with quality craftsmanship throughout. The main level features a spacious media room, a fully equipped wok kitchen and central air conditioning for year-round comfort. Each bedroom comes complete with its own private ensuite, providing convenience and privacy for the whole family. Built with attention to detail and backed by a Home Warranty, this home also includes a 2-bedroom legal suite, ideal for mortgage assistance or accommodating extended family. Situated in one of Surrey's most sought-after neighbourhoods, you'll enjoy easy access to parks, top-rated schools, shopping, and the future SkyTrain station. A rare chance to own a premium home in a prime location

property details

type: House, Single Family
bedrooms: 6
bathrooms: 6
living area: 4,587 sq ft
lot: 7,257 sq ft
parking: 6
year built: 2023
property tax: $9,096 / yr
days on market: 110
MLS®: R3145040

the market here

listed now: 69 days; median for 1882 houses for sale; this one 110 days

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

property tax by year

year	assessed	est. tax
2026	$2,197,000	$7,530

The listing shows $9,096 a year in property tax.

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

$8,600/mo

Mortgage $7,842 · Tax $758

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

estimated payment

$7,842/ monthly

loan $1,439,920

25-year amortization

down payment20% · $359,98020%+ 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: $912,678
property transfer tax: $33,998; BC general rate
cash to close: $393,978; down + PTT
total paid: $2,352,598

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: $2,120/mo
your cost after the suite: $6,825/mo; vs $8,775 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $7,842 · tax $758 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 2-bedroom in Surrey: CMHC's average there ($1,872) 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