4497 Savoy Street

Delta · MLS® R3177845

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

listed by Paul Khara, Sutton Group Seafair Realty

realtor's description

Beautifully designed half duplex offers a thoughtfully planned main residence with 3 bedrooms plus den, 4 bathrooms, and a versatile third-story loft that can serve as a 4th bedroom, complete with its own bathroom, or an ideal flex space. The inviting family room showcases a striking entertainment feature wall with underlit shelving and custom cabinetry, creating a warm yet sophisticated focal point. The contemporary kitchen is designed for both everyday living and entertaining, featuring a generous island and additional built-in buffet-style cabinetry for enhanced storage and functionality. BONUS Detached 1-bedroom coach house, complete with its own parking space and in-suite laundry, above the back laneway garage , perfect for extended family or rental unit or added versatility.

property details

type: House, Single Family
bathrooms: 5
living area: 2,193 sq ft
parking: 3
year built: 2026
days on market: 4
MLS®: R3177845

features

the market here

listed now: 61 days; median for 410 houses for sale; this one 4 days

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

monthly cost

$6,404/mo

Mortgage $6,404

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

estimated payment

$6,404/ monthly

loan $1,175,920

25-year amortization

down payment20% · $293,98020%+ 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: $745,344
property transfer tax: $27,398; BC general rate
cash to close: $321,378; down + PTT
total paid: $1,921,264

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: $4,942/mo; vs $6,579 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $6,404 · 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.

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