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$799,000

30 12585 104A AVENUE

Surrey · MLS® R3173553

All units at 12585 104a Ave →

4 bed · 4 bath · 1,744 sq ft · 2 parking

Townhouse · Single Family · built 2023 · 2 days on market

Listed by Simon Clayton, Macdonald Realty

Realtor's description

Fantastic value for a modern Cedar Hills townhome with 1,744 sqft of living space and a private double garage. Thoughtfully designed with 3-beds & 2-baths on the top level, and potential for a micro suite w/ ensuite bath on the first level-perfect for extended family or tenants. The main level has an open plan with a large, bright kitchen, living & dining rooms, and covered balcony. Wide-plank flooring, extensive millwork & cabinetry throughout, and A/C for year round comfort. Yale Gardens is a family oriented community with quick access to the SkyTrain, Stalewasem Bridge, and the SFPR for easy commuting. Prince Charles Elementary & L.A. Matheson Secondary catchments, and walking distance to the Khalsa School Old Yale Road. ALL OFFERS SUBJECT TO APPROVAL OF THE SUPREME COURT OF B.C.

Property details

Type: Townhouse, Single Family
Bedrooms: 4
Bathrooms: 4
Living area: 1,744 sq ft
Parking: 2
Year built: 2023
Property tax: $3,808 / yr
Strata fee: $405 / mo ($0.23 / sq ft)
Strata rules: Pets Allowed With Restrictions, Rentals Allowed With Restrictions
Days on market: 2
MLS®: R3173553

Features

Pets Allowed With Restrictions
Rentals Allowed With Restrictions

Price check

Below typical for the area (-9.1%)

2026 assessment: $933,000 · asking is -14%
Price per sq ft: $458 vs $504 median for townhouses in Surrey for sale (867)
Last sold: $1,101,450 · Nov 24, 2023

An estimate from public BC Assessment records, registered sales and the listings for sale right now, not an appraisal. Condition, renovations, views and lot all move real value.

Property insights

On market 2 days · no price changes so far

The market here

Listed now: 51 days; median for 882 townhouses for sale; this one 2 days

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

Property tax by year

Year	Assessed	Est. tax
2026	$933,000	$3,198
2025	$1,049,000	$3,261

Estimated tax down 1.9% from 2025 to 2026.

The listing shows $3,808 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

$4,203/mo

Mortgage $3,481 · Tax $317 · Strata $405

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

estimated payment

$3,481/ monthly

loan $639,200

25-year amortization

down payment20% · $159,80020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 9, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $405,150
property transfer tax: $13,980; BC general rate
cash to close: $173,780; down + PTT
total paid: $1,044,350

Estimates only. Rates change daily and lenders qualify at the stress-test rate; first-time-buyer and newly-built PTT exemptions aren't applied. Talk to a mortgage broker before you offer.

If you rented it out

Rent: $1,956/mo
After all costs: −$2,579/mo
Cap rate: 1.4%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $3,481 · tax $317 · strata $405 · insurance ~$175 · vacancy 3% · upkeep 5%.

Rent starts at CMHC's average for a 3+ bedroom in Surrey (CMHC Rental Market Survey, October 2025). Averages include long-time tenants, so new leases usually ask more; 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

The building's lot: 1,097 m² (11,808 sq ft) · PID 013-197-975. From ParcelMap BC; property lines are approximate, a survey is the legal boundary.

SurreyGoogle Maps ↗

Location

SurreyGoogle Maps ↗

Schools

Catchment schools, Surrey School District 36

Elementary Prince Charles Elementaryhomes in this catchment
1.0 km away · 12405 100 Ave, Surrey · 604-588-5481
Secondary L.A. Matheson Secondaryhomes in this catchment
2.2 km away · 9484 122 St, Surrey · 604-588-3418

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.

Development nearby

Rezoning
210 m away · 2018 · under review
Partial Rezoning from RF to RF10 and RF13 to permit Subdivision from 4 to 15 lots
Rezoning
370 m away · 2023 · conditionally approved
Rezoning a portion of the site from Urban Residential Zone (R3) to Small Lot Residential Zone (R4); Development Variance Permit (a) to reduce the minimum rear yard setback from 7.5 metres to 6.5 metres to the principal building face of proposed Lot 2; and (b) to reduce the minimum street side yard (south) setback from 3.6 metres to 1.8 metres to the principal building face of proposed Lot 2; Devel

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.

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