804 615 Hamilton Street

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$599,900

804 615 Hamilton Street

New Westminster · MLS® R3177156

all units at 615 Hamilton St →

221

1,016 sq ft · Condo · Single Family · built 2005 · 5 days on market

listed by Ben D'Ovidio, Sutton Centre Realty

realtor's description

WELCOME HOME TO THE UPTOWN! Bright and Spacious 2 Bedroom, 2 Bathroom built by APPIA Developments. Rare to find a huge 2 bed in this price range, the spacious primary bedroom comfortably fits a king-size bed, great layout with the second bedroom is privately positioned on the opposite side of the home. Bright living room features a cozy gas fireplace & flows seamlessly into the dining area & open-concept kitchen, complete with generous cabinetry, ample counter space & a functional island. Step onto the fully covered balcony & enjoy year-round outdoor living with stunning views of Mount Baker & the surrounding landscape. Building includes exercise room, party room & billiards area. Ideally located close to shopping, dining, transit & everyday conveniences.

property details

type: Condo, Single Family
bedrooms: 2
bathrooms: 2
living area: 1,016 sq ft
parking: 1
year built: 2005
property tax: $3,274 / yr
strata fee: $581 / mo ($0.57 / sq ft)
strata rules: Pets Allowed With Restrictions
days on market: 5
MLS®: R3177156

features

Central location
Elevator
Pets Allowed With Restrictions
All

monthly cost

$3,467/mo

Mortgage $2,614 · Tax $273 · Strata $581

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

estimated payment

$2,614/ monthly

loan $479,920

25-year amortization

down payment20% · $119,98020%+ 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: $304,192
property transfer tax: $9,998; BC general rate
cash to close: $129,978; down + PTT
total paid: $784,112

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: $2,410/mo
after all costs: −$1,285/mo
cap rate: 2.7%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $2,614 · tax $273 · strata $581 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent is today's market rent for a 2-bedroom in New Westminster: CMHC's average there ($2,134) 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

location

New WestminsterGoogle Maps ↗

Rapid transit: Columbia SkyTrain station, 1.7 km (about 27 min walk); New Westminster SkyTrain station, 1.8 km (about 27 min walk).

schools

Catchment schools, New Westminster School District 40

Elementary Lord Kelvin Elementaryhomes in this catchment
700 m away · 1010 Hamilton St, New Westminster · 604-517-6060
Middle Fraser River Middlehomes in this catchment
1.3 km away · 800 Queens Ave, New Westminster · 604-517-1800
Secondary New Westminster Secondaryhomes in this catchment
500 m away · 820 6th St, New Westminster · 604-517-6122

From the New Westminster School District 40'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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