15 45550 SHAWNIGAN CRESCENT, Garrison Crossing

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$587,500

15 45550 SHAWNIGAN CRESCENT, Garrison Crossing

Chilliwack · MLS® R3180035

all units at 45550 Shawnigan Cres →

2,159 sq ft · Townhouse · Single Family · built 2005 · listed today

listed by Morgen Yuan, RE/MAX City Realty

realtor's description

property details

type: Townhouse, Single Family
bathrooms: 1
living area: 2,159 sq ft
parking: 0
year built: 2005
property tax: $3,083 / yr
days on market: 0
MLS®: R3180035

floor plans

found among the listing photos.

the market here

listed now: 49 days; median for 183 townhouses for sale; this one listed today

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

monthly cost

$2,843/mo

Mortgage $2,586 · Tax $257

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

estimated payment

$2,586/ monthly

loan $470,000

25-year amortization

down payment20% · $117,50020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 30, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $305,701
property transfer tax: $9,750; BC general rate
cash to close: $127,250; down + PTT
total paid: $775,701

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: $1,460/mo
after all costs: −$1,674/mo
cap rate: 1.9%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,586 · tax $257 · insurance ~$175 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a studio in Chilliwack: the town's own rents in the 2021 Census, brought forward by BC's rent index ($1,269; CMHC covers it thinly or not at all) raised by what new tenants pay against everyone in the Chilliwack area, then down 2.4% with Chilliwack'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 and 2021 Census rents: 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