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$499,000

405 15628 104 AVENUE

Surrey · MLS® R3167626

2 bed · 2 bath · 870 sq ft · 2 parking

Condo · Single Family · built 2015 · 16 days on market

Listed by Fred Zhang, RE/MAX Crest Realty

Located in the highly sought-after Guildford community of Surrey, Chroma offers modern comfort and contemporary style in a boutique, low-density setting. Enjoy a peaceful living environment while remaining close to shopping, dining, schools, parks, and major transportation routes for effortless commuting. The home features a bright, open concept layout with large windows that fill the space with natural light. A private balcony extends your living area outdoors. Interiors are finished with laminate wood flooring, and the modern kitchen boasts stainless steel appliances. A stacked washer and dryer add convenience. Developed by Streetside Developments, a trusted division of Qualico, Chroma reflects meticulous craftsmanship and high quality standards, giving homeowners peace of mind.

Type: Condo, Single Family
Bedrooms: 2
Bathrooms: 2
Living area: 870 sq ft
Parking: 2
Year built: 2015
Property tax: $2,406 / yr
Strata fee: $461 / mo ($0.53 / sq ft)
Strata rules: Pets Allowed With Restrictions, Rentals Allowed With Restrictions
Days on market: 16
MLS®: R3167626

Below typical for the area (-15%)

2026 assessment: $570,000 · asking is -12%
Price per sq ft: $574 vs $671 median for condos in Surrey for sale (999)

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.

Pets Allowed With Restrictions
Rentals Allowed With Restrictions
Washer
Refrigerator
Dishwasher
Stove

Found among the listing photos.

On market 16 days

Listed now: 63 days; median for 1000 condos for sale; this one 16 days

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

FloodplainNo
Not within a designated floodplain on the provincial floodplain maps. These maps are historical and don't cover every river or the coast.
Source: Province of BC, Mapped Floodplains in BC
Agricultural Land ReserveNo
Not inside the Agricultural Land Reserve on the provincial map.
Source: Agricultural Land Commission, ALR boundary
HeritageNo
Not on the BC Register of Historic Places or in a heritage conservation area.
Source: BC Heritage Branch, historic places and conservation areas

From public government maps, matched to the listing's map pin. Maps can be out of date or miss a lot line; confirm with the municipality.

Catchment schools, Surrey School District 36

Elementary Harold Bishop Elementaryhomes in this catchment
100 m away · 15670 104 Ave, Surrey · 604-581-6016
Secondary Johnston Heights Secondaryhomes in this catchment
1.1 km away · 15350 99 Ave, Surrey · 604-581-5500

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.

$2,835/mo

Mortgage $2,174 · Tax $200 · Strata $461

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

estimated payment

$2,174/ monthly

loan $399,200

25-year amortization

down payment20% · $99,80020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 7, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $253,029
property transfer tax: $7,980; BC general rate
cash to close: $107,780; down + PTT
total paid: $652,229

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.

Rent: $1,872/mo
After all costs: −$1,148/mo
Cap rate: 2.5%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,174 · tax $200 · strata $461 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent starts at CMHC's average for a 2-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

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