4489 Savoy Street

$1,497,900

4489 Savoy Street

Delta · MLS® R3177864

2,193 sq ft · House · Single Family · built 2026 · 4 days on market

listed by Paul Khara, Sutton Group Seafair Realty

realtor's description

Contemporary living meets exceptional versatility in this thoughtfully designed half duplex in the heart of Ladner Village. The main residence offers 3 bedrooms plus den, 4 bathrooms, and a third-story loft with its own bathroom, ideal as a 4th bedroom or flex space. A stylish family room features a custom entertainment wall with underlit shelving, while the functional kitchen boasts a generous island and built-in buffet cabinetry. A rear-lane garage adds convenience, while the detached 1-bedroom coach house above offers private living with its own parking and in-suite laundry-ideal for extended family or added rental flexibility. Easy access to Port Guichon Elementary School , high school, parks, and family-friendly amenities. Perfect for young families.

property details

type: House, Single Family
bathrooms: 5
living area: 2,193 sq ft
parking: 3
year built: 2026
days on market: 4
MLS®: R3177864

features

Central location
All

the market here

listed now: 61 days; median for 411 houses for sale; this one 4 days

Houses in Delta. Sale prices register 1 to 3 months after a sale closes.

monthly cost

$6,526/mo

Mortgage $6,526

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

estimated payment

$6,526/ monthly

loan $1,198,320

25-year amortization

down payment20% · $299,58020%+ 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: $759,542
property transfer tax: $27,958; BC general rate
cash to close: $327,538; down + PTT
total paid: $1,957,862

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

suite rent: $1,780/mo
your cost after the suite: $5,064/mo; vs $6,701 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $6,526 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 1-bedroom in Delta: CMHC's average there ($1,550) raised by what new tenants pay against everyone in the Vancouver area, then down 1.5% 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

location

lot outline: 557 m² (5,995 sq ft) · PID 011-908-661. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

DeltaGoogle Maps ↗

schools

Catchment schools, Delta School District 37

Elementary Port Guichon Elementaryhomes in this catchment
400 m away · 4381 46a St, Delta · 604-946-0321
Secondary Delta Secondaryhomes in this catchment
1.2 km away · 4615 51 St, Delta · 604-946-4194

From the Delta School District 37'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.

Keep private notes and ratings on homes you're considering. (email only) and they follow you to every device.

similar homes nearby

listed by RE/MAX City Realty

MLS® R3178425

House

$1,249,000

7545 Filey Drive

Delta10 days on market

listed by RE/MAX Performance Realty

House

$1,500,000

4927 Cedar Crescent

Delta7 days on market

listed by Sutton Group Seafair Realty

listed by Sutton Group Seafair Realty

House

$1,599,000

5306 Pleasant Way

Delta11 days on market

listed by Engel & Volkers Vancouver

listed by RE/MAX Select Properties

4489 Savoy Street

about this home

realtor's description

property details

features

local market

the market here

costs

monthly cost

if you rented it out

neighbourhood

location

schools

your notes

price check

property insights

similar homes nearby

location

price check

property insights

the market here

location