Property Type: Detached HouseOwnership: Freehold

1191 FINLAY STREET

White Rock, BC V4B4K9

$1,599,000

4 bed3 bath6 parking2,402 sqftBuilt 1984
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Amenities

Also listed: Storage - Locker, Laundry - In Suite

Property Details

Property & Lot

Sub-type
House
Lot size
7,320 square feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,563.9 (2024)

Interior

Basement
Finished, Full
Heating
Forced air
Fireplace
Yes (2)

Exterior & Lot

View
Ocean view

Parking

Total spaces
6 — covered indicated
Features
Garage, Open

Listing Information

MLS®
R3098835
Listed
March 16, 2026
Time on market
On the market for 168 days
Tax assessment year
2024
Data last synced
August 28, 2026

Listing provided by: Century 21 Coastal Realty Ltd. · Data source: CREA DDF.

Description

Stunning ocean views steal the show in this bright and spacious 4-bedroom, 3-bathroom home on a large corner lot. Enjoy breathtaking vistas from the solarium and balcony, while the sunlit above-ground basement offers its own laundry, a 25' x 20' walkout patio, and an 8' x 6' outdoor-access storage room-perfect for extended family living. Modern updates include sleek appliances, a newer hot water tank, and two cozy gas fireplaces. With ample parking, including RV space, this home is ideally situated in top school catchments: Semiahmoo Secondary (IB Program) and White Rock Elementary (Fine Arts). Steps from transit, Uptown shops, and three blocks to Peace Arch Hospital. Don't miss the cinematic video and floorplans! (id:63159)

Values & Trends

This listing

$666/sqft

Building average

No other active listings in this building

White Rock average

$786/sqft

147 active listing(s)

Parking: 6 stall(s) includedStorage locker: Included

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 ElementaryElementary616 m
White Rock ElementaryElementary700 m
St John Paul II Academy(Independent)Secondary709 m
Earl Marriott SecondaryElementary907 m
South Meridian ElementaryElementary1.3 km
Newbridge Academy(Independent)Elementary1.7 km
Jessie Lee ElementaryElementary1.8 km
H T Thrift ElementaryElementary2.0 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 St94 m
Westbound Buena Vista Ave @ Lee St178 m
Westbound Buena Vista Ave @ Dolphin St280 m
Eastbound Buena Vista Ave @ Dolphin St299 m
Eastbound Buena Vista Ave @ Parker St334 m

Nearby Places

Restaurants (5+)

  • Coney Island Fish and Chips · 15487 Marine Drive712 m
  • Zapoteca Mexican Grill & Seafood · 15495 Marine Drive715 m
  • Bandra Cafe · 15519 Marine Drive724 m
  • Montgomery's Cottage Lunch · 15539 Marine Drive736 m
  • Taka's Sushi · 15208 Pacific Avenue772 m

Cafes (3)

  • Tim Hortons751 m
  • Leieve Tea · 15581 Marine Drive774 m
  • Finlay's East Beach Café · 15611 Marine Drive785 m

Parks (5+)

  • Davey Park123 m
  • Dr. R.J. Allan Hogg Rotary Park · 15479 Buena Vista Avenue264 m
  • Unnamed302 m
  • Unnamed468 m
  • Unnamed477 m

Nearby places data: © OpenStreetMap contributors.

School district: Surrey (SD36)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($319,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,279,200.00
Periodic payment — Principal & Interest (monthly)$8,252.96
Additional monthly expenses (strata, tax, utilities, etc.)$833.66
Total monthly cost$9,086.62
Interest paid over 5-yr term$366,622.40
Balance at end of term$1,150,644.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$319,800
Stress test qualifying rate8.09%
Payment you must qualify for$9,836.60

Cash Needed at Closing

Minimum down payment$319,800
Estimated BC PTT$29,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$351,280

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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