Home Surrey, BC Whalley 3 Civic Plaza 2908 13495 Central Avenue

2908 13495 Central Ave, Surrey BC V3T 0K2 – Condo for Sale – MLS® R3152802

2908 13495 Central Avenue, Surrey, British Columbia V3T 0K2

Surrey Condos for Sale

100 days on the market

$538,000

Est. monthly cost $2,993/mo

Updated with MLS® - Nov 13, 2026 at 12:30am

3 Civic Plaza

2 Beds

2 Baths

862 sqft

624 $ /sqft

610.27 $ Maint. fee

2018 built

5.3% price reduction

Photos

Available immediately with this 862 square feet on the 29th floor of the prestigious 3 Civic Plaza. Two bedrooms, one ensuite bathroom, and one guest bathroom. 1 underground parking and 1 storage locker available. It has air conditioning for both heating and cooling with geothermal heating/cooling for a comfortable atmosphere. It's a 5-minute walk to the shopping centre, T&T Supermarket, Walmart, BestBuy, library, SkyTrain station, KPU, SFU, etc. Restaurant & Café conveniently located in the foyer with 24 hour concierge & security. School Catchment: Old Yale Road Elementary & École Kwantlen Park

Building 25 fields Inside & out 13 fields Lot & land 8 fields

Building Details

Price	$538,000
Total Bedrooms	2
Total Bathrooms	2
Full Bathrooms	2
Half Bathrooms	0
Floor Area Total (sqft)	862
Year Built	2018
Age Of Building	8
Building Type	Apartment/Condo
Unit Style	Upper unit
Property Type	Residential
Stories	1
Building Amenities	Exercise Centre, Recreation Facilities, Concierge, Caretaker, Trash, Maintenance Grounds, Hot Water, Management, Sewer, Snow Removal
Building Name	3 Civic Plaza
Ownership Type	Freehold Strata
Maintenance Fee	$610.27
Community Features	Restaurant, Shopping Nearby
Amenities Nearby	Exercise Centre, Recreation Facilities, Concierge, Caretaker, Trash, Maintenance Grounds, Hot Water, Management, Sewer, Snow Removal
Utility Type	Electricity Connected, Water Connected
Utility Sewer	Public Sewer, Sanitary Sewer
Water (WaterSource)	Public
Parking Type	Underground, Side Access, Concrete, Garage Door Opener
Total Parking Spaces	1
Strata Restrictions	Pets Allowed
Pet Restrictions	Yes

Interior Features

Basement Finished Area (sqft)	0
Basement Features	None
Appliances Included	Washer/Dryer, Dishwasher, Refrigerator, Stove, Microwave, Oven
Interior Features	Elevator, Storage
Heating Type	Electric, Geothermal, Hot Water
Cooling	Central Air, Air Conditioning
Laundry	In Unit
# of Kitchens	1
Flooring	Laminate, Carpet
Foundation	Concrete Perimeter

Exterior Features

View Description	City & Mountain
Roof	Concrete
Structures	Multi Family, Residential Attached

Lot & Land

Lot Size Depth	Feet
MLS^® #	R3152802
Area	North Surrey
Neighbourhood	Whalley
City	Surrey
Postal Code	V3T 0K2
Gross Taxes	$2,583.1
Zoning	STRATA

Property Timeline

Status	Date	Price
R3152802 / Active	08-05-2026	$538,000

Rooms

Floor	Type	Dimensions
Main Level	Living Room	11' x 11' ft
Main Level	Dining Room	11' x 11' ft
Main Level	Kitchen	14'4 x 14'4 ft
Main Level	Primary Bedroom	12'4 x 12'4 ft
Main Level	Bedroom	8'8 x 8'8 ft

Bathrooms

Floor	Ensuite	Pieces
Main Level	No	#4
Main Level	Yes	#5

Listed by: Selmak Realty Limited

NOTE: This representation is based in whole or in part on data generated by the Chilliwack & District Real Estate Board, Fraser Valley Real Estate Board or Greater Vancouver REALTORS^® which assumes no responsibility for its accuracy.

About the building: 3 Civic Plaza

13495 Central Avenue, Whalley, Surrey

3 Civic Plaza building details

Building

Built: 2018
Homes: 349 in 52 storeys
Construction: Concrete
Title: Freehold Strata
Strata plan: EPS4743
Managed by: AWM Alliance
Parking: Garage: Underground
Lockers: Limited
Strata fee covers: WaterSnow removalSewerManagementHot WaterGardeningGarbage PickupCaretaker

Bylaws on record

Pets: Restricted; Cats and dogs OK, max 2
Rentals: Allowed

Market at 3 Civic Plaza

For sale: 11
Median ask: $538K
Median $/sqft: $710
Days on market: 172
Sold, past year: 8

This home

$624/sqft, 12.1% below the building median of $710.

Structural warranty runs to 2028 under BC's 2-5-10 new-home warranty.

Homes for sale at 3 Civic Plaza, Surrey Recent sold listings in 3 Civic Plaza, Surrey

From MLS® and public strata records. Verify against the current Form B and registered bylaws.

Map, sell speed & climate

SkyTrain 0.20 km · Kwantlen Park Secondary School 5.7/10 · 0.73 km · crime average · sell-speed score 41/100 (may take longer) · flood lower risk · wildfire low

Map & area Sell speed Climate risk

Map & Neighbourhood

Nearby Restaurants, Cafes & Shops

Shopping (84 nearby)

Jenny's · 115 m · Beauty Shop
Beautyland salon · 123 m · Hairdresser
The hockey shop source for sports · 149 m · Sports Shop

Restaurants (68 nearby)

D-plus curry house · 12 m · Restaurant
Freshii · 14 m · Restaurant
Dominion bar & kitchen · 48 m · Restaurant

Groceries (25 nearby)

Queen's market · 135 m · Greengrocer
Sky stop · 136 m · Convenience
Daily fresh · 180 m · Supermarket

Cafes (20 nearby)

Prado cafe · 17 m · Cafe
Tim hortons · 79 m · Cafe
Take five café · 88 m · Cafe

Healthcare (7 nearby)

London drugs · 302 m · Healthcare
Shoppers drug mart · 549 m · Healthcare
Pharmasave · 672 m · Healthcare

Transit (4 nearby)

Skytrain @ surrey central stn station · 198 m · Transit
Bus stop eastbound 102 ave @ 139 st · 843 m · Transit
Skytrain @ king george stn station · 935 m · Transit

Parks & Recreation (1 nearby)

Play central · 560 m · Playground

Public Schools

Secondary
Kwantlen Park Secondary School: Average 0.73 km 5.7/10
Elementary
Old Yale Road Elementary School: Average 0.76 km 4.2/10

Information includes BC Government Open License data; school details change often and are offered solely as general guidance.

Private Schools

Elementary
Our Lady of Good Counsel: Above Average 0.85 km 8.5/10
Secondary
Honour Secondary School: 2.63 km

Closest Transit

Bus Stop
Eastbound 104 Ave @ University Dr: 0.1 km
Skytrain
Skytrain @ Surrey Central Stn: 0.20 km

Crime Rate

Total Crime Rate: Average
Violent Crime Rate: Below Average
Property Crime Rate: Average

Demographics

Post-Secondary Education: Below Average 24.9%
No Certificate/Degree: Above Average 16.6%
Owner Occupied: Average 71.7%
Employment Rate: Average 59%

Noise/ Power Lines

Road/Hwy Noise: Unlikely
Railway/Sky train Noise: Possible
Airport/Port Noise: Unlikely
Close to major Power Lines: Unlikely

Other

Agricultural Land Reserve (ALR): Unlikely
Flood Area: Unlikely
Close to Cemeteries: Unlikely

Sell Speed & Competition

41 / 100

Overall sell-speed score

May take longer

Price competition grade

Avg comparable: $484,582

Buyer's

Market conditions

Buyer's market — more supply than demand

Flood Risk

Unlikely — not in floodplain

Railway / Skytrain noise

Possible — near transit

Road / Highway noise

Unlikely

Airport noise (YVR)

Unlikely

Power lines proximity

Unlikely

ALR (Agricultural Land Reserve)

No — not in ALR

How WHALLEY compares

This property

100 DOM

Listed

2908 13495 Central Avenue has a sell-speed score of 41/100, placing it in the "May take longer than the area average to sell" band. The listing is priced 11% above comparable active properties in Whalley. The local market is currently a Buyer's Market with a sales-to-active ratio of 10.9% — buyers have more leverage. With 2148 competing homes currently listed, this property has significant competition. Based on these signals, EstateBlock predicts this listing is could take longer than the area average to sell.

Climate Risk for V3T 0K2

Natural hazards vary by location and can change over time. The following provides a summary of potential impacts to this area, postal code V3T 0K2, over the next 30 years. Projections use the 2041–2070 period (2050s) under a moderate emissions scenario (SSP2-4.5).

Flood Lower Risk

Outside of designated flood hazard zones. Under 10% of buildings in this area have flood risk over the next 30 years.

Fire Low

Located within the "Vancouver" WUI zone (Risk Class 5 — Low). Based on BC Wildfire Service provincial WUI Risk Class mapping; not a site-specific assessment.

Air Quality B / Good

Annual avg PM2.5 5.2 µg/m³ — meets Canada's CAAQS. Nearest station: New Westminster Sapperton Park, New Westminster (~5.3 km). Annual avg AQHI 0 — Low Risk.

Heat Moderate

Surrey currently sees ~1 day above 30 °C per year (1981–2010 baseline), projected to rise to ~8 by the 2050s (SSP2-4.5 moderate emissions). Hottest day of the year: ~30 °C baseline, ~32.5 °C projected. Tropical nights (>18 °C): ~0 baseline, ~3 projected.

Precipitation Increasing

Annual precipitation ~1516 mm (1981–2010 baseline), projected ~1574 mm by the 2050s. Extreme 1-day rainfall: ~51.5 mm baseline, ~57.1 mm projected. Values vary modestly across the Lower Mainland.

Drought Stable

Longest annual dry spell (consecutive dry days): ~23 days baseline, ~24 days projected for the 2050s. CDD is used as a regional drought proxy; drought risk varies modestly across the Lower Mainland.

Schools NearBy

27 Schools are within 3km

School	Type	Grades Served	Catchment Info	Rating	Distance
Kwantlen Park Secondary School	Public	Grades Served 8-12	Catchment Info In Catchment	5.7 / 10	Distance 731 m
Old Yale Road Elementary School	Public	Grades Served K-7	Catchment Info In Catchment	4.2 / 10	Distance 761 m
Our Lady of Good Counsel	Independent	Grades Served K-7	Catchment Info —	8.5 / 10	Distance 854 m
K B Woodward Elementary School	Public	Grades Served K-7	Catchment Info —	3.7 / 10	Distance 922 m
Forsyth Road Elementary School	Public	Grades Served K-7	Catchment Info —	3.3 / 10	Distance 1.11 KM
City Central Learning Centre	Public	Grades Served 10-12	Catchment Info —	3.0 / 10	Distance 1.33 KM
Lena Shaw Elementary School	Public	Grades Served K-7	Catchment Info —	4.0 / 10	Distance 1.62 KM
James Ardiel Elementary School	Public	Grades Served K-7	Catchment Info —	3.7 / 10	Distance 1.87 KM
Continuing Ed SD36 (Queen Elizabeth)	Public	Grades Served —	Catchment Info —	3.1 / 10	Distance 1.89 KM
Queen Elizabeth Secondary School	Public	Grades Served 8-12	Catchment Info —	5.4 / 10	Distance 1.91 KM
Mary Jane Shannon Elementary School	Public	Grades Served K-7	Catchment Info —	3.7 / 10	Distance 1.99 KM
Surrey Traditional School	Public	Grades Served K-7	Catchment Info —	5.6 / 10	Distance 2.08 KM
Betty Huff Elementary School	Public	Grades Served K-7	Catchment Info —	3.4 / 10	Distance 2.17 KM
Guildford Park Secondary School	Public	Grades Served 8-12	Catchment Info —	5.5 / 10	Distance 2.21 KM
Simon Cunningham Elementary School	Public	Grades Served K-7	Catchment Info —	4.1 / 10	Distance 2.24 KM
Prince Charles Elementary School	Public	Grades Served K-7	Catchment Info —	4.5 / 10	Distance 2.25 KM
North Surrey Learning Centre	Public	Grades Served 10-12	Catchment Info —	3.2 / 10	Distance 2.39 KM
SD 36 Alternate North Surrey LC	Public	Grades Served —	Catchment Info —	6.3 / 10	Distance 2.46 KM
Education Services (Alternate)	Public	Grades Served —	Catchment Info —	3.8 / 10	Distance 2.47 KM
Ellendale Elementary School	Public	Grades Served K-7	Catchment Info —	3.0 / 10	Distance 2.50 KM
Hjorth Road Elementary School	Public	Grades Served K-7	Catchment Info —	3.1 / 10	Distance 2.55 KM
Cedar Hills Elementary School	Public	Grades Served K-7	Catchment Info —	4.3 / 10	Distance 2.56 KM
Honour Secondary School	Independent	Grades Served 10-12	Catchment Info —	N/A	Distance 2.63 KM
Cindrich Elementary School	Public	Grades Served K-7	Catchment Info —	4.2 / 10	Distance 2.64 KM
Creekside Elementary School	Public	Grades Served K-7	Catchment Info —	4.2 / 10	Distance 2.67 KM
David Brankin Elementary School	Public	Grades Served K-7	Catchment Info —	4.4 / 10	Distance 2.76 KM
Senator Reid Elementary School	Public	Grades Served K-7	Catchment Info —	4.5 / 10	Distance 2.79 KM

Pre-computed routes from 2908 13495 Central Ave, Surrey, BC

2908 13495 Central Ave, Surrey, BC Surrey Central 0.2 km

43 min

Downtown Vancouver Waterfront Station

By transit (Skytrain)

Downtown Vancouver via Surrey Central → Waterfront
43 min
Metrotown, Burnaby via Surrey Central → Metrotown
25 min
SFU Burnaby via Surrey Central → Production Way
23 min
Richmond Centre via Surrey Central → Brighouse
68 min
YVR Airport via Surrey Central → YVR-Airport
69 min

By car (off-peak)

Downtown Vancouver via HWY 1 / Grandview
26 min
Metrotown, Burnaby via Lougheed Hwy
14 min
SFU Burnaby via Gaglardi Way
10 min
Richmond Centre via No. 3 Rd
25 min
YVR Airport via Bridgeport / Sea Island
29 min

Calculate your commute

2908 13495 Central Ave, Surrey, BC is ideally located for commuters. The property is 0.2 km from Surrey Central, with a 43 min SkyTrain ride to Downtown Vancouver (Waterfront Station). The closest bus stop is Eastbound 104 Ave @ University Dr (0.1 km). Walk Score Transit rating: Rider's Paradise (91/100).

Walkability & Transit Near 2908 13495 Central Avenue

Walker's Paradise 91

Walk Score - Walker's Paradise

Daily errands do not require a car

Rider's Paradise 91

Transit Score - Rider's Paradise

World-class public transportation

Very Bikeable 81

Bike Score - Very Bikeable

Biking is convenient for most trips

BC Assessment Value — 2908 13495 Central Avenue

2026 assessed value, sourced from City of Surrey open data (PID 030-456-436).

Total Assessed Value (2026)

$593,000

2026 Value Trend

Land

$286,000

Buildings

$307,000

Year Built

N/A

Class

N/A

Zoning

Property Tax

N/A

Year	Land	Improvements	Total Assessed	YOY Change
2026	$286,000	$307,000	$593,000	—

Costs & calculators

Monthly cost about $2,993/month · rent estimate $2,105/month · owning catches up with renting by year 19 · cash flow if rented −$1,046/month

Mortgage Cash flow Rent estimate Rent vs own

Mortgage Calculator for 2908 13495 Central Avenue

$2,993 /month

Principal & Interest $2,168

Property Taxes $215

Maintenance fee $610

The estimated monthly cost of 2908 13495 Central Avenue, Surrey is $2,993: $2,168 principal and interest with 20% down over 30 years at 4.45%, plus $215 property tax and $610 strata fee.

or Call 778-918-5990

All figures are informational estimates by EstateBlock.com; actual mortgage payments and insurance rates vary by many factors.

Investment Cashflow Calculator

−$1,046 /month

Mortgage Payment $2,168

Monthly Cash Flow −$1,046

Break Even Down Payment 59%

Cap Rate -2.3%

Cash on Cash -11.7%

If 2908 13495 Central Avenue, Surrey were rented at $2,105 a month with 5% vacancy, it would fall $1,046 a month short of the mortgage and carrying costs; about 59% down would break even.

All figures are informational estimates by EstateBlock.com; actual mortgage payments and insurance rates vary by many factors.

Estateblock Rent Estimate for 2908 13495 Central Avenue, Surrey

$2,105 / month

Rent $2,105

Own $2,993

Principal: $697/mo Interest, tax, insurance, fees: $2,296/mo

Example shown is the principal portion at year 5 of the mortgage. It grows over the loan: ~$584/mo (year 1) → ~$1,358/mo (year 20) → ~$2,025/mo (year 29).

Net cost to own at year 5 ~$2,296/mo About $191/mo more than renting

EstateBlock estimates 2908 13495 Central Avenue, Surrey would rent for about $2,105 a month.

Approximate estimates for informational purposes only, not financial advice. Assumes a new 30-year fixed mortgage at the rate shown; actual rent, payments, and equity will vary by loan terms and market conditions. Consult a licensed professional before deciding.

Rent vs own: 2908 13495 Central Avenue

Rent vs own

Owning catches up by year 19

With 20% down ($107,600) at 4.45%: renting is cheaper at first, but principal paydown closes the gap

Principal paid off by year 5 $38,354

Principal paid off by year 10 $86,247

Assumes 20% down payment, 4.45% fixed rate, 30-year amortization. Rent line = full rent (money gone). Own line = interest + property tax + fees, excluding principal (money you keep as equity). No appreciation, investment returns or transaction costs included.

Renting 2908 13495 Central Avenue, Surrey is cheaper at first, but owning catches up by year 19, with $38,354 of principal paid off by year 5 and $86,247 by year 10.