4729 64 Street

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$1,550,000

4729 64 Street

Delta · MLS® R3155161

534

2,114 sq ft · 8,795 sq ft lot · House · Single Family · built 1963 · 76 days on market

listed by Andrea Castro, RE/MAX City Realty

realtor's description

INCOME GENERATING! 5BED 3BATH, 2-level residence set on a RARE 8,800 sq. ft. SOUTH EXPOSED rectangular lot. 2 BED SUITE PLUS HOME BUISNESS SPACE OR POTENTIAL FOR 2ND SUITE! Sun-filled interiors showcase refreshed kitchen cabinetry, quartz counters, newer flooring & designer lighting, create a bright & elegant living space. Step out from the kitchen onto your spacious covered sundeck, perfect for year-round entertaining & outdoor dining. FULLY FINISISHED GROUND suite offers an ideal setup for in-laws or rental income. With RV parking, generous outdoor space, & an exceptional layout for extended families, this home blends comfort with versatility. Minutes to Holly Elementary, parks, & shopping! This home is a must see!

property details

type: House, Single Family
bedrooms: 5
bathrooms: 3
living area: 2,114 sq ft
lot: 8,795 sq ft
parking: 4
year built: 1963
property tax: $4,680 / yr
days on market: 76
MLS®: R3155161

features

the market here

listed now: 62 days; median for 406 houses for sale; this one 76 days

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

property tax by year

year	assessed	est. tax
2026	$1,373,000	$5,564

The listing shows $4,680 a year in property tax.

Estimate: the BC Assessment value times Delta'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

$7,143/mo

Mortgage $6,753 · Tax $390

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

estimated payment

$6,753/ monthly

loan $1,240,000

25-year amortization

down payment20% · $310,00020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 28, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $785,960
property transfer tax: $29,000; BC general rate
cash to close: $339,000; down + PTT
total paid: $2,025,960

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: $2,020/mo
your cost after the suite: $5,460/mo; vs $7,318 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $6,753 · tax $390 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 2-bedroom in Delta: CMHC's average there ($1,787) raised by what new tenants pay against everyone in the Vancouver area, then down 0.8% 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