Surrey · V4A 1Y6
$11,409/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
Book now
TWO LOTS AVAILABLE VIA SUBDIVISION! This two-story home, ideally situated in the heart of the Ocean Cliff area, comes with valuable City of Surrey approval for subdivision. The property can be divided into two separate lots, each approximately 11,000 square feet, which will permit the construction of homes with basements. This is a great opportunity to complete this development of 2 lots or build your dream estate home on the entire property. The existing home is well-maintained and shows beautifully, featuring numerous upgrades throughout the years. The main floor boasts an open-concept layout, perfect for family living and entertaining, with views overlooking the private backyard. Please call to book your private showing.
Buy / sell history for 12686 20 Avenue, Surrey (Single Family Residence)
3
Beds
2,094 ft²
Floor area
1960
Year built
Single Family Residence
Type
South Surrey White Rock
Area
Listed
August 14, 2026
Estimate
12686 20 Avenue, Surrey (Single Family Residence)
Estimated value
?Estimated rent
?Rental yield
?School
iGrowth
iRental
iA few details are member-only
Room-by-room dimensions, the level-by-level area split, construction & systems, zoning, PID and legal. Free to reveal with an account.
Space & layout
Finished area
2,094ft²
Level-by-level split
MemberRoom by room
Main floor
Living Room
Kitchen
Dining Room
Primary Bedroom
Basement
Bedroom
Recreation Room
Construction & systems
Construction
Foundation
Roof
Flooring
Water
Sewer
Utilities
Lot, zoning & legal
Zoning
Legal description
Nearby & Commute
12 min
walk to Safeway
24 min
bike to White Rock Centre
1h 20m
walk to White Rock Centre
1h 18m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Detached · 80%
| Detached | 183 | 79.6% |
| Land | 18 | 7.8% |
| Condo / Apartment | 16 | 7.0% |
| Half-duplex | 6 | 2.6% |
| Townhouse | 6 | 2.6% |
| Other | 1 | 0.4% |
| $30,000 to $34,999 | 5 | 3.1% |
| $60,000 to $69,999 | 5 | 3.1% |
| $70,000 to $79,999 | 10 | 6.3% |
| $80,000 to $89,999 | 10 | 6.3% |
| $90,000 to $99,999 | 10 | 6.3% |
| $100,000 to $124,999 | 25 | 15.6% |
| $125,000 to $149,999 | 15 | 9.4% |
| $150,000 to $199,999 | 30 | 18.8% |
| $200,000 and over | 50 | 31.3% |
Pick the records that matter for this property. Relta inquires with the listing agent and strata on your behalf, then tells you what came back. Some documents cannot always be obtained.
Request the due-diligence package
Relta requests these from the listing agent and strata and follows up with what is available. Availability is not guaranteed. Review any documents with the appropriate professionals.
A clearer view of the monthly and upfront costs connected to this home.
Monthly ownership costs
Estimated monthly total
Calculated estimate
$11,409
Principal and interest
Calculated estimate
$10,593
Property tax
Calculated estimate
$667/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$2,290,000
Down payment
Calculated estimate
$458,000 (20%)
Estimated mortgage
Calculated estimate
$1,832,000
Estimates update with the mortgage controls below. They do not include utilities, maintenance, legal fees, or other closing costs.
Original list price
$2,404,500
Mortgage estimate
Metro averages
Est. monthly total
$11,409
/mo
Rate
%
Amortization
Principal and interest
$10,593
Property tax (est.)
$667
P&I
Tax
Down payment
$458,000 (20%)
Get Pre-Approved
Jessica specialises in residential financing across Greater Vancouver, helping buyers secure competitive rates and navigate complex purchases with clarity.
Jessica Kuan
Licensed Mortgage Broker
This is an estimate only and does not constitute financial advice or a mortgage offer. Based on $458,000 down (20%) on $2,290,000, Canadian semi-annual compounding. Property tax estimated at Greater Vancouver metro average. No strata fee on record for this listing. Home insurance, land transfer tax, and closing costs are not included. Consult a licensed mortgage professional for personalised advice. Mortgage professionals featured here are independent licensed brokers. Ray Rasouli may receive a referral fee if you choose to work with one. You are under no obligation to use any recommended provider. Full disclosure.
At 3.1083 per $1,000 of assessed value.
Estimated by applying the municipal rate to the asking price. Your actual bill is based on the BC Assessment value, which is set separately and usually differs from the sale price. Home owner grants are not included.
Variable mortgages are quoted against this.
Fixed mortgage pricing follows this.
Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Daily mean across the year.
On the drier side for BC.
Snow is the exception here.
Hours of sun a year, 1981–2010 average.
Averaged from the last ten complete years of Environment Canada observations at the nearest principal station, so it reflects the climate as it is now rather than a thirty year normal. Bright sunshine is the exception: it is no longer measured at these stations, so that figure is the long term average.
In a mapped wildland-urban interface zone. Affects insurance and FireSmart requirements.
Based on where this point falls in provincial map layers, not a site survey or a formal hazard assessment. Confirm with the municipality, a professional, and your insurer before relying on it.
