Home Surrey, BC Cloverdale BC 6495 186 Street

6495 186 St, Surrey BC V3S 8S6 – House for Sale – MLS® R3152948

6495 186 Street, Surrey, British Columbia V3S 8S6

Surrey Houses for Sale

94 days on the market

$1,150,000

Est. monthly cost $5,026/mo

Updated with MLS® - Nov 7, 2026 at 11:20pm

Clover Valley Station

5 Beds

4 Baths

2334 sqft

493 $ /sqft

1996 built

Photos

Great opportunity in the heart of Cloverdale! This clean and well-maintained three-level home offers a functional layout with plenty of potential to update and make it your own. The lower level provides an excellent opportunity to add a two-bedroom secondary suite. The property also offers potential to build a detached garage with a coach house or garden suite. Ideally located directly across from Hillcrest Elementary and Hillcrest Park, shopping, transit and everyday amenities. A solid family home with outstanding flexibility and future potential in a highly convenient neighbourhood! Call today to book your private showing and explore the possibilities this property has to offer!

Building 20 fields Inside & out 11 fields Lot & land 10 fields

Building Details

Price	$1,150,000
Total Bedrooms	5
Total Bathrooms	4
Full Bathrooms	3
Half Bathrooms	1
Floor Area Total (sqft)	2334
Year Built	1996
Age Of Building	30
Building Type	Single Family Residence
Property Type	Residential
Stories	2
Building Name	Clover Valley Station
Ownership Type	Freehold NonStrata
Community Features	Shopping Nearby
Utility Type	Electricity Connected, Natural Gas Connected, Water Connected
Utility Sewer	Public Sewer, Sanitary Sewer, Storm Sewer
Water (WaterSource)	Public
Parking Type	Additional Parking, Lane Access, Concrete
Total Parking Spaces	2
Rental Suites	Other

Interior Features

Basement Finished Area (sqft)	794
Basement Features	Finished
Appliances Included	Washer/Dryer, Dishwasher, Refrigerator, Stove
Fireplace	1
Heating Type	Forced Air
# of Kitchens	1
Flooring	Laminate, Tile
Foundation	Concrete Perimeter

Exterior Features

Exterior Features	Private Yard
Roof	Fibreglass
Structures	Residential Detached

Lot & Land

Lot Size	3062
Lot Size Depth	Feet
Lot Size Frontage	43.3
MLS^® #	R3152948
Area	Cloverdale
Neighbourhood	Cloverdale BC
City	Surrey
Postal Code	V3S 8S6
Gross Taxes	$4,702.53
Zoning	CD

Property Timeline

Status	Date	Price
R3152948 / Active	08-05-2026	$1,150,000

Rooms

Floor	Type	Dimensions
Main Level	Foyer	5' x 5' ft
Main Level	Living Room	13' x 13' ft
Main Level	Dining Room	12'6 x 12'6 ft
Main Level	Kitchen	9'6 x 9'6 ft
Main Level	Eating Area	9'6 x 9'6 ft
Main Level	Family Room	11'1 x 11'1 ft
Above Level	Primary Bedroom	17'2 x 17'2 ft
Above Level	Bedroom	11'4 x 11'4 ft
Above Level	Bedroom	13'2 x 13'2 ft
Basement Level	Laundry	7'5 x 7'5 ft
Basement Level	Recreation Room	21' x 21' ft
Basement Level	Bedroom	9'5 x 9'5 ft
Basement Level	Bedroom	9'5 x 9'5 ft

Bathrooms

Floor	Ensuite	Pieces
Main Level	No	#2
Above Level	No	#4
Above Level	Yes	#4
Basement	No	#4

Listed by: Century 21 Coastal Realty Ltd.

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.

Map, sell speed & climate

SkyTrain 0.86 km · crime average · flood lower risk · wildfire low

Map & area Sell speed Climate risk

Map & Neighbourhood

Nearby Restaurants, Cafes & Shops

Shopping (7 nearby)

Ritecare pharmacy · 342 m · Pharmacy
Studio 1 hair design inc. · 371 m · Hairdresser
Demo nails · 387 m · Beauty Shop

Restaurants (7 nearby)

Aka sushi · 395 m · Restaurant
184 pizza corner · 408 m · Restaurant
Memphis blues barbeque house · 456 m · Restaurant

Transit (3 nearby)

Skytrain @ clayton station ( under construction till 2029) station · 855 m · Transit
Skytrain @ hillcrest/ 184 st station ( under construction till 2029) station · 961 m · Transit
Bus stop westbound 64 ave @ 181a st · 967 m · Transit

Cafes (2 nearby)

Tim hortons · 505 m · Cafe
Starbucks · 584 m · Cafe

Healthcare (2 nearby)

Ritecare pharmacy · 342 m · Healthcare
Shoppers drug mart · 637 m · Healthcare

Groceries (1 nearby)

Save-on-foods · 435 m · Supermarket

Public Schools

Elementary
Hillcrest Elementary School: Average 0.14 km 6.3/10

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

Private Schools

Elementary, Secondary
Bibleway Christian Academy: Above Average 1.01 km 7.8/10
Elementary, Secondary
Bibleway Christian Academy: Above Average 1.01 km 7.8/10

Closest Transit

Bus Stop
Westbound 64 Ave @ 186 St: 0.19 km
Skytrain
Skytrain @ Clayton Station ( Under Construction till 2029): 0.86 km

Crime Rate

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

Demographics

Post-Secondary Education: Below Average 21%
No Certificate/Degree: Average 13.7%
Owner Occupied: Above Average 75.3%
Employment Rate: Above Average 71.7%

Noise/ Power Lines

Road/Hwy Noise: Possible
Railway/Sky train Noise: Unlikely
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

Flood Risk

Unlikely — not in floodplain

Railway / Skytrain noise

Unlikely — 0.86 km from station

Road / Highway noise

Possible — major road nearby

Airport noise (YVR)

Unlikely

Power lines proximity

Unlikely

ALR (Agricultural Land Reserve)

No — not in ALR

How CLOVERDALE BC compares

This property

94 DOM

Listed

Climate Risk for V3S 8S6

Natural hazards vary by location and can change over time. The following provides a summary of potential impacts to this area, postal code V3S 8S6, 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 A / Excellent

Annual avg PM2.5 4.6 µg/m³ — meets WHO 2021 guideline. Nearest station: Surrey East, Surrey (~1.7 km). Annual avg AQHI 1.8 — 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

21 Schools are within 3km

School	Type	Grades Served	Catchment Info	Rating	Distance
Hillcrest Elementary School	Public	Grades Served K-7	Catchment Info In Catchment	6.3 / 10	Distance 140 m
Don Christian Elementary School	Public	Grades Served K-7	Catchment Info —	5.3 / 10	Distance 539 m
Adams Road Elementary School	Public	Grades Served K-7	Catchment Info —	5.2 / 10	Distance 909 m
Clayton Heights Secondary	Public	Grades Served —	Catchment Info —	5.8 / 10	Distance 987 m
Bibleway Christian Academy	Independent	Grades Served K-4, 6-12	Catchment Info —	8.2 / 10	Distance 1.01 KM
Sunrise Ridge Elementary School	Public	Grades Served K-7	Catchment Info —	5.0 / 10	Distance 1.08 KM
Lord Tweedsmuir Secondary School	Public	Grades Served 8-12	Catchment Info —	6.2 / 10	Distance 1.37 KM
Katzie Elementary School	Public	Grades Served K-7	Catchment Info —	5.8 / 10	Distance 1.51 KM
Hazelgrove Elementary	Public	Grades Served —	Catchment Info —	5.7 / 10	Distance 1.58 KM
Latimer Road Elementary School	Public	Grades Served K-7	Catchment Info —	3.2 / 10	Distance 1.63 KM
Martha Currie Elementary School	Public	Grades Served K-7	Catchment Info —	5.2 / 10	Distance 1.65 KM
Crescent Heights Academy	Independent	Grades Served —	Catchment Info —	9.1 / 10	Distance 1.89 KM
Diamond School	Independent	Grades Served —	Catchment Info —	8.0 / 10	Distance 1.90 KM
Clayton Elementary School	Public	Grades Served K-7	Catchment Info —	5.4 / 10	Distance 2.13 KM
SD 36 Alternate Cloverdale LC	Public	Grades Served —	Catchment Info —	3.8 / 10	Distance 2.22 KM
Cloverdale Traditional	Public	Grades Served —	Catchment Info —	5.3 / 10	Distance 2.30 KM
Cloverdale Catholic School	Independent	Grades Served K-7	Catchment Info —	8.3 / 10	Distance 2.47 KM
Cloverdale Learning Centre	Public	Grades Served 10-12	Catchment Info —	3.8 / 10	Distance 2.52 KM
Langley Meadows Elementary	Public	Grades Served —	Catchment Info —	6.2 / 10	Distance 2.60 KM
George Greenaway Elementary School	Public	Grades Served K-7	Catchment Info —	4.6 / 10	Distance 2.61 KM
Focus Alternate	Public	Grades Served —	Catchment Info —	1.7 / 10	Distance 2.99 KM

Walkability & Transit Near 6495 186 Street

Very Walkable 72

Walk Score - Very Walkable

Most errands can be accomplished on foot

Good Transit 52

Transit Score - Good Transit

Many nearby public transportation options

Very Bikeable 77

Bike Score - Very Bikeable

Biking is convenient for most trips

BC Assessment Value — 6495 186 Street

2026 assessed value, sourced from City of Surrey open data (PID 019-080-221).

Total Assessed Value (2026)

$1,111,000

2026 Value Trend

Land

$975,000

Buildings

$136,000

Year Built

N/A

Class

N/A

Zoning

Property Tax

N/A

Year	Land	Improvements	Total Assessed	YOY Change
2026	$975,000	$136,000	$1,111,000	—

Costs & calculators

Monthly cost about $5,026/month · rent estimate $4,753/month · owning nets $975/month less than renting · cash flow if rented −$657/month

Mortgage Cash flow Rent estimate Rent vs own

Mortgage Calculator for 6495 186 Street

$5,026 /month

Principal & Interest $4,634

Property Taxes $392

Maintenance fee $0

The estimated monthly cost of 6495 186 Street, Surrey is $5,026: $4,634 principal and interest with 20% down over 30 years at 4.45%, plus $392 property tax.

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

−$657 /month

Mortgage Payment $4,634

Monthly Cash Flow −$657

Break Even Down Payment 32%

Cap Rate -0.7%

Cash on Cash -3.4%

If 6495 186 Street, Surrey were rented at $4,753 a month with 5% vacancy, it would fall $657 a month short of the mortgage and carrying costs; about 32% 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 6495 186 Street, Surrey

$4,753 / month

Rent $4,753

Own $5,026

Principal: $1,490/mo Interest, tax, insurance, fees: $3,536/mo

Example shown is the principal portion at year 5 of the mortgage. It grows over the loan: ~$1,248/mo (year 1) → ~$2,902/mo (year 20) → ~$4,328/mo (year 29).

Net cost to own at year 5 ~$3,536/mo About $1,217/mo less than renting

EstateBlock estimates 6495 186 Street, Surrey would rent for about $4,753 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: 6495 186 Street

Rent vs own

Owning nets $975/mo less than renting

With 20% down ($230,000) at 4.45%: $3,778/mo net cost to own in year 1 vs $4,753/mo rent

Principal paid off by year 5 $81,984

Principal paid off by year 10 $184,357

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.

Owning 6495 186 Street, Surrey nets about $975 a month less than renting it in year 1, with $81,984 of principal paid off by year 5 and $184,357 by year 10.