204 13339 102A Avenue Avenue, Surrey — $544,000 · mihom.ca

204 13339 102A Avenue Avenue, Surrey — $544,000 · mihom.ca

monthly cost

$3,019/mo

Mortgage $2,370 · Tax $203 · Strata $446

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

estimated payment

$2,370/ monthly

loan $435,200

25-year amortization

down payment20% · $108,80020%+ 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: $275,847
property transfer tax: $8,880; BC general rate
cash to close: $117,680; down + PTT
total paid: $711,047

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: $2,120/mo
after all costs: −$1,104/mo
cap rate: 2.8%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,370 · tax $203 · strata $446 · insurance ~$35 · vacancy 3% · upkeep 5%.

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

property tax by year

year	assessed	est. tax
2026	$550,000	$1,885
2025	$592,000	$1,840

Estimated tax up 2.4% from 2025 to 2026.

The listing shows $2,433 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.

development nearby

Rezoning for 730 homes
380 m away · 2025 · conditionally approved
Rezoning from Multiple Residential 45 Zone (RM-45) to Comprehensive Development Zone (CD) (based on Multiple Residential Commercial 135 Zone RMC-135); Subdivision from one (1) lot into three (3) lots; Official Community Plan (OCP) Amendment of Figure 16: Downtown Densities from 3.5 FAR to 5.5 FAR; Neighbourhood Concept Plan (NCP) Amendment to the City Centre Plan from Mid to High Rise Residential
Rezoning for a 35 storey, 561 unit building
380 m away · 2023 · conditionally approved
Rezoning from Multiple Residential 45 Zone (RM-45) to Comprehensive Development Zone (CD) (based on Multiple Residential Commercial 135 Zone (RM-135); Subdivision from one (1) into two (2) lots; Official Community Plan (OCP) Amendment from Multiple Residential to Downtown and to Figure 16: Downtown Densities to permit a density of 5.5 FAR; Neighbourhood Concept Plan (NCP) Amendment to the City Cen
Rezoning for a 44 storey, 424 unit building
130 m away · 2023 · conditionally approved
Rezoning from Single Family Residential Zone (RF) to Comprehensive Development Zone (CD) (based on Multiple Residential 135 Zone (RM-135) and Community Commercial Zone (C-8); Subdivision (Consolidation) from three (3) to one (1) lot; Official Community Plan (OCP) Amendment to Downtown Densities from 5.5 FAR to 7.5 FAR; Official Community Plan Text Amendment to allow for a density of 9.9 FAR within
Rezoning for a 24 storey, 230 unit building
350 m away · 2025 · conditionally approved
Rezoning from Combined Service Gasoline Station Zone (CG-2) and Urban Residential Zone R3 to City Centre High-Rise Apartment Zone (MR10); Official Community Plan (OCP) Amendment from Multiple Residential to Downtown and to Figure 16: Downtown Densities to 7.5 FAR; Neighbourhood Concept Plan (NCP) Amendment to the City Centre Plan from Low Rise Residential to High Rise Residential; Housing Agreemen
Development permit for a 12 storey building
280 m away · 2026 · conditionally approved
Detailed Development Permit (Phase 1) of a 12-storey mixed-use office and institutional tower containing ground-floor commercial retail space Simon Fraser University (SFU) medical school childcare and office space; Development Variance Permit for a reduction in parking and visitor bicycle parking spaces for the university and to allow for a portion of the required parking to be located on the SFU

And 2 smaller applications nearby.

Applications filed with the city, active or decided in the last 3 years, measured from the listing's map pin. An application isn't an approval; the city's page has the current details. Source: City of Surrey development applications.