409 46185 THOMAS ROAD, Vedder Crossing

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$439,000

409 46185 THOMAS ROAD, Vedder Crossing

Chilliwack · MLS® R3157648

all units at 46185 Thomas Rd →

681 sq ft · Condo · Single Family · built 2026 · 67 days on market

listed by Sarb Bains, Select Real Estate

realtor's description

This 1-bedroom plus den is designed for modern comfort and effortless living. The open-concept living space with a spacious kitchen features an exceptional layout with lots of storage and stainless steel appliances. A huge bedroom with spacious closet space. It's located close to every level of schools, shopping, and recreation centers

property details

type: Condo, Single Family
bedrooms: 1
bathrooms: 1
living area: 681 sq ft
parking: 0
year built: 2026
days on market: 67
MLS®: R3157648

the market here

listed now: 62 days; median for 170 condos for sale; this one 67 days

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

monthly cost

$1,913/mo

Mortgage $1,913

20% down at 4.34% fixed (Ratehub.ca), 25 years.

estimated payment

$1,913/ monthly

loan $351,200

25-year amortization

down payment20% · $87,80020%+ 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: $222,604
property transfer tax: $0; $6,780 less $6,780 newly built exemption
cash to close: $87,800; down + PTT
total paid: $573,804

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: $1,400/mo
after all costs: −$660/mo
cap rate: 3.4%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $1,913 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 1-bedroom in Chilliwack: CMHC's average there ($1,222) raised by what new tenants pay against everyone in the Chilliwack area, then down 2.4% with Chilliwack'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

location

the building's lot: 116,390 m² (1,252,810 sq ft) · PID 029-618-282. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

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