Property Type: Detached HouseOwnership: Freehold

1154 FINLAY STREET

White Rock, BC V4B4K8

$1,650,000

4 bed3 bath8 parking2,233 sqftBuilt 1947
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Amenities

Also listed: Laundry - In Suite

Property Details

Property & Lot

Sub-type
House
Lot size
10,372 square feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$9,478.51 (2025)

Interior

Basement
Finished, Full, Separate entrance
Heating
Forced air, Electric, Natural gas
Fireplace
Yes (1)

Parking

Total spaces
8 — covered indicated
Features
Detached Garage

Listing Information

MLS®
R3130234
Listed
June 1, 2026
Time on market
On the market for 91 days
Tax assessment year
2025
Data last synced
August 28, 2026

Listing provided by: Sutton Group-West Coast Realty · Data source: CREA DDF.

Description

Welcome to this rare opportunity in the heart of White Rock! Situated on an impressive 10,000+ sq.ft. lot with a 65-foot frontage, this exceptional property offers breathtaking panoramic ocean views and endless potential. Whether you're looking to move in, invest, hold for the future, or build your dream home, this is a property you won't want to miss. The well-maintained residence has been thoughtfully updated over the years, featuring a renovated kitchen, updated ensuite, newer furnace, driveway, and more. The rancher-style layout offers three spacious bedrooms on the main floor and an open-concept living area designed for comfortable family living. The fully finished basement features a separate entrance, full bathroom, and expansive flex space, making it ideal for extended family (id:63159)

Values & Trends

This listing

$739/sqft

Building average

No other active listings in this building

White Rock average

$786/sqft

147 active listing(s)

Parking: 8 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Detached (House) Market Stats — White Rock

Monthly figures from the Fraser Valley Real Estate Board for White Rock detached (house)listings — not specific to this property.

MLS® HPI Benchmark Price

$1,578,300

Jul 2026

Average Sale Price

$1,713,071

Jul 2026

Monthly Sales

7

Jul 2026

Active Listings

151

Jul 2026

Sales-to-Active Ratio

5.0%

Jul 2026

Median Days to Contract

11 days

Jul 2026

MLS® HPI Benchmark Price

$2,030,000
$1,578,300
Aug '21Aug '22Aug '23Aug '24Aug '25Jul '26

Source: Fraser Valley Real Estate Board (FVREB).

Location Insights

Weather

15°C

Humidity 90%

Wind SW calm km/h

Tonight

14°

Tuesday

21°

Tuesday night

16°

Wednesday

19°

Wednesday night

14°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

21,939

(2021 Census)

+10% since 2016

Density: 4,243.5/km²

Dwellings: 11,541

Median household income: $73,000

After-tax: $65,000

Immigrant population: 29%

Top countries of origin (% of total population)

  • United Kingdom4.6% · 1,020
  • China4.4% · 965
  • India3% · 650
  • United States of America1.8% · 395
  • Philippines1.5% · 330
  • Germany1% · 220
  • Taiwan0.6% · 135
  • South Africa, Republic of0.5% · 110

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

19

3/9 categories nearby

Transit

33

5 stop(s) within 800m

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Peace Arch ElementaryElementary613 m
St John Paul II Academy(Independent)Secondary744 m
White Rock ElementaryElementary759 m
Earl Marriott SecondaryElementary971 m
South Meridian ElementaryElementary1.3 km
Newbridge Academy(Independent)Elementary1.8 km
Jessie Lee ElementaryElementary1.9 km
H T Thrift ElementaryElementary2.1 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

StopTypeDistance
Eastbound Buena Vista Ave @ Maple St99 m
Westbound Buena Vista Ave @ Lee St167 m
Eastbound Buena Vista Ave @ Parker St304 m
Westbound Buena Vista Ave @ Dolphin St338 m
Westbound Buena Vista Ave @ Kent St342 m

Nearby Places

Restaurants (5+)

  • Coney Island Fish and Chips · 15487 Marine Drive649 m
  • Zapoteca Mexican Grill & Seafood · 15495 Marine Drive650 m
  • Bandra Cafe · 15519 Marine Drive654 m
  • Montgomery's Cottage Lunch · 15539 Marine Drive662 m
  • La Baia Ristorante Italiano · 15791 Marine Drive782 m

Cafes (2)

  • Leieve Tea · 15581 Marine Drive692 m
  • Finlay's East Beach Café · 15611 Marine Drive700 m

Parks (5+)

  • Davey Park60 m
  • Dr. R.J. Allan Hogg Rotary Park · 15479 Buena Vista Avenue343 m
  • Unnamed354 m
  • Unnamed387 m
  • Unnamed445 m

Nearby places data: © OpenStreetMap contributors.

School district: Surrey (SD36)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($330,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,320,000.00
Periodic payment — Principal & Interest (monthly)$8,516.19
Additional monthly expenses (strata, tax, utilities, etc.)$901.88
Total monthly cost$9,418.07
Interest paid over 5-yr term$378,315.79
Balance at end of term$1,187,344.27

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$330,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,150.34

Cash Needed at Closing

Minimum down payment$330,000
Estimated BC PTT$31,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$362,500

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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