6 45608 BERNARD AVENUE, Chilliwack Proper West

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$639,900

6 45608 BERNARD AVENUE, Chilliwack Proper West

Chilliwack · MLS® R3133738

all units at 45608 Bernard Ave →

1,495 sq ft · Townhouse · Single Family · built 2020 · 141 days on market

listed by Alexander Moses, City 2 City Real Estate Services Inc.

realtor's description

Centrally located, newer townhouse in 5 Corners complex with three bedrooms and three washrooms. Close to Shopping, Chilliwack General Hospital, Townsend Park, Coliseum, Bernard Elementary and St Mary's Elementary School. The exterior of the home is finished with modern materials such as vinyl and hardy to create everlasting contemporary look. The interior boasts an open concept living floor plan, chef inspired kitchen, stainless steel appliances & quartz counter tops, along with a patio perfect for in and out living. Epoxy Flooring in double car Garage, and Tiling at main entrance. Welcome Home!

property details

type: Townhouse, Single Family
bedrooms: 3
bathrooms: 3
living area: 1,495 sq ft
parking: 0
year built: 2020
property tax: $2,726 / yr
days on market: 141
MLS®: R3133738

features

Washer
Refrigerator
Dishwasher
Stove
Dryer

the market here

listed now: 48 days; median for 185 townhouses for sale; this one 141 days

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

monthly cost

$3,015/mo

Mortgage $2,788 · Tax $227

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

estimated payment

$2,788/ monthly

loan $511,920

25-year amortization

down payment20% · $127,98020%+ 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: $324,475
property transfer tax: $10,798; BC general rate
cash to close: $138,778; down + PTT
total paid: $836,395

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: $2,360/mo
after all costs: −$1,019/mo
cap rate: 3.3%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,788 · tax $227 · insurance ~$175 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 3+ bedroom in Chilliwack: CMHC's average there ($2,250) raised by what new tenants pay against everyone in the Chilliwack area, then down 2.5% 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