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$399,900

3904 13495 CENTRAL AVENUE

Surrey · MLS® R3120055

All units at 13495 Central Ave →

1 bed · 1 bath · 579 sq ft

Condo · Single Family · built 2018 · 148 days on market

Listed by Anna Tan, eXp Realty of Canada Inc.

Realtor's description

Surrey Home Ready for Quick Possession 579 sq. ft. + 69 sq. ft. balcony 9' ceiling spacious 1 bedroom 1 full bathroom w/bathtub & shower in the iconic 3 Civic Plaza w/breathtaking Mount Baker and stunning city views. This intelligently designed floor plan maximizes every square inch, a rare feature in condo living. Original owner has kept the suite in pristine pet-free, smoke-free condition. Upgrades include bedroom hardwood flooring (2018) and blackout blinds (2019). Features premium European appliances by Blomberg, AEG, and Electrolux. Steps to SkyTrain with an 9+ walk score, making a car unnecessary. Residents perks include a 15% discount at Prado Coffee & Dominion. Civic Hotel pool, hot tub & gym, plenty of rental parkings, EV charging stations, Quick possession Move in ready. OPENHOUSE 03 OCT 1:30-3pm Saturday

Property details

Type: Condo, Single Family
Bedrooms: 1
Bathrooms: 1
Living area: 579 sq ft
Parking: 0
Year built: 2018
Property tax: $2,574 / yr
Strata fee: $397 / mo ($0.69 / sq ft)
Strata rules: Pets Allowed With Restrictions, Rentals Allowed
Days on market: 148
MLS®: R3120055

Features

Pets Allowed With Restrictions
Rentals Allowed
Washer
Refrigerator
Dishwasher
Stove

Price check

Typical for the area (+2.9%)

2026 assessment: $443,000 · asking is -9.7%
Price per sq ft: $691 vs $671 median for condos in Surrey for sale (989)

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 148 days · no price changes so far

The market here

Listed now: 64 days; median for 990 condos for sale; this one 148 days

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

Property tax by year

Year	Assessed	Est. tax
2026	$443,000	$1,518

The listing shows $2,574 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

$2,354/mo

Mortgage $1,742 · Tax $215 · Strata $397

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

estimated payment

$1,742/ monthly

loan $319,920

25-year amortization

down payment20% · $79,98020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 8, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $202,778
property transfer tax: $5,998; BC general rate
cash to close: $85,978; down + PTT
total paid: $522,698

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: $1,602/mo
After all costs: −$915/mo
Cap rate: 2.5%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $1,742 · tax $215 · strata $397 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent starts at CMHC's average for a 1-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: 3,282 m² (35,327 sq ft) · PID 030-456-240. From ParcelMap BC; property lines are approximate, a survey is the legal boundary.

SurreyGoogle Maps ↗

Drive times

Kwantlen Polytechnic University (Civic Plaza Campus)1 min
Old Yale Road Elementary3 min
Kwantlen Park Secondary3 min
Surrey Memorial Hospital5 min
YVR airport38 min
Downtown Vancouver40 min

Walkability 97/100 · Very walkable: most errands on foot

Within a 10 minute walk: 8 grocery stores, 52 places to eat or drink, 16 cafes, 8 parks and playgrounds, 2 pharmacies, 41 transit stops.

mihom score from OpenStreetMap places, by straight line distance.

Location

SurreyGoogle Maps ↗

Schools

Catchment schools, Surrey School District 36

Elementary Old Yale Road Elementaryhomes in this catchment
800 m away · 10135 132 St, Surrey · 604-588-5468
Secondary Kwantlen Park Secondaryhomes in this catchment
600 m away · 10441 132 St, Surrey · 604-588-6934

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 for a 65 storey building
280 m away · 2023 · conditionally approved
OCP Amendment to Figure 16: Downtown Densities from 3.5 FAR to 7.5 FAR; OCP Text Amendment to allow for a density of 9.7 FAR within the Downtown designation; City Centre Plan amendment from Mid to High Rise Mixed-Use 3.5 FAR to High Rise Mixed-Use Type II 7.5 FAR and to the road network; Rezoning from CHI and C-8 to CD; and Development Permit to allow for the phased development of 4 buildings in C
Rezoning for a 42 storey, 444 unit building
280 m away · 2023 · conditionally approved
Rezoning from Community Commercial Zone (C-8) to Comprehensive Development Zone (CD) (based on Multiple Residential 70 Zone (RM-70); Official Community Plan (OCP) Text Amendment to allow for a density of 10.69 Gross FAR; City Centre Plan Amendment to allow for a density of 10.69 Gross FAR within the Central Business District Area 2; Development Permit to permit the development of a 42-storey mixed
Rezoning for a 44 storey, 424 unit building
250 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
Development permit for a 52 storey building
190 m away · 2023 · concluded
Development Permit / Development Variance Permit and Housing Agreement to permit the development of Phase 2 of a mixed-use project consisting of one 52-storey mixed-use tower and one 2-storey stand-alone commercial building.
Rezoning for a 50 storey building
120 m away · 2025 · conditionally approved
Rezoning from Community Commercial Zone (C-8) to Comprehensive Development Zone (CD) (based on Multiple Residential Commercial 135 Zone (RM-135 and Town Centre Commercial Zone (C-15); Subdivision from one (1) lot into three (3) lots; Development Variance Permit to vary the definition of Bond in the Surrey Subdivision and Development Bylaw 1986 No. 8830 as amended to include the use of Surety Bond

And 3 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.

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