205 14225 103A Avenue

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$509,900

205 14225 103A Avenue

Surrey · MLS® R3161162

all units at 14225 103a Ave →

221

756 sq ft · Condo · Single Family · built 2023 · 58 days on market

listed by Amarjeet Ubhi, Team 3000 Realty Ltd.

realtor's description

Welcome to Unison modern style living. Two bedrooms, two bathrooms, Living, kitchen, walk in closet and South facing balcony. Close to bus service, Surrey centre skytrain station, Guilford shopping mall, SFU, superstore on 104 ave and more. BBQ on the balcony to enjoy with family. Unison is very well design project with top notch finishing. One parking space (#22), one storage locker (#43) and one bike stall (#15) . Modern style SS appliances with gas cooktop. Balcony size is 83 sq ft.

property details

type: Condo, Single Family
bedrooms: 2
bathrooms: 2
living area: 756 sq ft
parking: 1
year built: 2023
property tax: $2,395 / yr
strata fee: $393 / mo ($0.52 / sq ft)
strata rules: Pets Allowed With Restrictions, Rentals Allowed
days on market: 58
MLS®: R3161162

features

Pets Allowed With Restrictions
Rentals Allowed
Washer
Refrigerator
Dishwasher
Stove

the market here

listed now: 67 days; median for 1005 condos for sale; this one 58 days

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

property tax by year

year	assessed	est. tax
2026	$538,000	$1,844
2025	$602,000	$1,871

Estimated tax down 1.4% from 2025 to 2026.

The listing shows $2,395 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

$2,837/mo

Mortgage $2,244 · Tax $200 · Strata $393

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

estimated payment

$2,244/ monthly

loan $407,920

25-year amortization

down payment20% · $101,98020%+ down: no mortgage insuranceinterest rate4.44%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 31, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $265,322
property transfer tax: $8,198; BC general rate
cash to close: $110,178; down + PTT
total paid: $673,242

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: −$921/mo
cap rate: 3.1%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,244 · tax $200 · strata $393 · 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