Home White Rock, BC White Rock 1191 Finlay Street

1191 Finlay St, White Rock BC - Single Family Residence for Sale - MLS# R3098835

179 days on the market

$1,599,000

Est. Mortgage $7,074/mo

Listing updated: Jul 16, 2026 at 09:00am

EstateBlock checked: Sep 6, 2026 at 04:45am

4 Beds

3 Baths

2402 sqft

666 $ /sqft

1984 built

179 days on the market

$1,599,000

Est. $7,074/mo with 20% down

Listing updated: Jul 16, 2026 at 09:00am

EstateBlock checked: Sep 6, 2026 at 04:45am

Photos

Exterior Front Photo of 1191 Finlay Street, White Rock, BC

Exterior Rear Photo of 1191 Finlay Street, White Rock, BC

Living Room Photo of 1191 Finlay Street, White Rock, BC

Family Room Photo of 1191 Finlay Street, White Rock, BC

Dining Area Photo of 1191 Finlay Street, White Rock, BC

Kitchen Photo of 1191 Finlay Street, White Rock, BC

Kitchen Island Photo of 1191 Finlay Street, White Rock, BC

Pantry Photo of 1191 Finlay Street, White Rock, BC

Breakfast Nook Photo of 1191 Finlay Street, White Rock, BC

Primary Bedroom Photo of 1191 Finlay Street, White Rock, BC

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!

Interior Features

Basement Finished Area (sqft)	1017
Basement Features	Finished
Appliances Included	Washer/Dryer, Dishwasher, Refrigerator, Stove
Interior Features	Storage
Fireplace	2
Heating Type	Forced Air
Laundry	In Unit
# of Kitchens	2
Flooring	Mixed
Foundation	Concrete Perimeter

Exterior Features

Exterior Features	Garden, Balcony
View Description	Ocean view
Roof	Asphalt
Structures	Residential Detached

Building Details

Price	$1,599,000
Total Bedrooms	4
Total Bathrooms	3
Full Bathrooms	3
Half Bathrooms	0
Floor Area Total (sqft)	2402
Year Built	1984
Age Of Building	42
Building Type	Single Family Residence
Property Type	Residential
Architecture Style	Basement Entry
Stories	2
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	Garage Double, Open, Front Access
Total Parking Spaces	6
Rental Suites	Unauthorized Suite

Lot & Land

Lot Size	7320
Lot Size Depth	Feet
Lot Size Frontage	100
MLS^® #	R3098835
Area	South Surrey White Rock
Neighbourhood	White Rock
City	White Rock
Postal Code	V4B 4K9
Gross Taxes	$8,563.9
Zoning	RS-1

Property Timeline

Status	Date	Price
R3098835 / Active	03-11-2026	$1,599,000
to view full Property History (6 earlier records)

Rooms

Floor	Type	Dimensions
Main Level	Living Room	18'2 x 18'2 ft
Main Level	Kitchen	12'0 x 12'0 ft
Main Level	Eating Area	9'0 x 9'0 ft
Main Level	Solarium	7'6 x 7'6 ft
Main Level	Dining Room	12'9 x 12'9 ft
Main Level	Primary Bedroom	13'7 x 13'7 ft
Main Level	Walk-In Closet	6'5 x 6'5 ft
Main Level	Bedroom	9'8 x 9'8 ft
Main Level	Laundry	3'0 x 3'0 ft

Bathrooms

Floor	Ensuite	Pieces
Main Level	Yes	#5
Basement	No	#4
Basement	Yes	#3

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 & Neighbourhood

Public Schools

Elementary
White Rock Elementary School: Average 0.69 km 5.9/10

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

Private Schools

Elementary
Newbridge Academy: Above Average 1.69 km 8.1/10
Elementary, Secondary
White Rock Christian Academy: Above Average 2.35 km 8.9/10

Closest Transit

Bus Stop
Eastbound Buena Vista Ave @ Maple St: 0.11 km
Skytrain
Skytrain @ Clayton Station ( Under Construction till 2029): 12.84 km

Crime Rate

Total Crime Rate: Above Average
Violent Crime Rate: Average
Property Crime Rate: Above Average

Demographics

Post-Secondary Education: Average 28.2%
No Certificate/Degree: Below Average 10.9%
Owner Occupied: Below Average 56.8%
Employment Rate: Average 59.9%

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

42 / 100

Overall sell-speed score

May take longer

Price competition grade

Avg comparable: $1,429,506

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Market conditions

Market conditions unavailable

Flood Risk (FEMA/BC)

Unlikely — not in floodplain

Railway / Skytrain noise

Unlikely — 12.84 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 WHITE ROCK compares

This property

179 DOM

Listed

White Rock avg

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White Rock avg

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1191 Finlay Street has a sell-speed score of 42/100, placing it in the "May take longer than the area average to sell" band. The listing is priced 10.6% above comparable active properties in White Rock. Based on these signals, EstateBlock predicts this listing is could take longer than the area average to sell.

Climate Risk for V4B 4K9

Natural hazards vary by location and can change over time. The following provides a summary of potential impacts to this area, postal code V4B 4K9, 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 (BC ENV 2024). Nearest station: Surrey East, Surrey (~14 km). Annual avg AQHI 1.8 — Low Risk.

Heat Low

White Rock currently sees ~0 days above 30 °C per year (1981–2010 baseline), projected to rise to ~5 by the 2050s (SSP2-4.5 moderate emissions). Hottest day of the year: ~29.3 °C baseline, ~31.8 °C projected. Tropical nights (>18 °C): ~0 baseline, ~1 projected.

Precipitation Increasing

Annual precipitation ~1323 mm (1981–2010 baseline), projected ~1376 mm by the 2050s. Extreme 1-day rainfall: ~46.4 mm baseline, ~51.1 mm projected. Values vary modestly across the Lower Mainland.

Drought Stable

Longest annual dry spell (consecutive dry days): ~25 days baseline, ~26 days projected for the 2050s. CDD is used as a regional drought proxy; drought risk varies modestly across the Lower Mainland.

Nearby Restaurants, Cafes & Shops

Restaurants (27 nearby)

Prairie donair · 689 m · Fast Food
Moby dick · 691 m · Fast Food
Moby dick · 692 m · Fast Food

Shopping (19 nearby)

Grand bazaar istanbul · 701 m · Jeweller
Sandcastle sea shoppe · 709 m · Gift Shop
Pacific barber shop · 716 m · Hairdresser

Groceries (7 nearby)

Beaver tails · 697 m · Bakery
Marine drive liquor store · 724 m · Beverages
White rock convenience store · 743 m · Convenience

Cafes (7 nearby)

Leieve tea · 760 m · Cafe
Tim hortons · 761 m · Cafe
Finlay's east beach café · 773 m · Cafe

Healthcare (2 nearby)

White rock pharmacy · 823 m · Healthcare
Rexall · 968 m · Healthcare

Transit (1 nearby)

Bus stop northbound 160 st @ 13 ave · 873 m · Transit

Schools NearBy

15 Schools are within 3km

School	Type	Grades Served	Catchment Info	Rating	Distance
Peace Arch Elementary School	Public	Grades Served K-7	Catchment Info —	5.9 / 10	Distance 637 m
White Rock Elementary	Public	Grades Served —	Catchment Info —	5.9 / 10	Distance 677 m
White Rock Elementary School	Public	Grades Served K-7	Catchment Info In Catchment	5.9 / 10	Distance 695 m
Peace Arch Elementary	Public	Grades Served —	Catchment Info —	5.9 / 10	Distance 716 m
South Meridian Elementary School	Public	Grades Served K-7	Catchment Info —	5.4 / 10	Distance 1.33 KM
Earl Marriott Secondary	Public	Grades Served —	Catchment Info —	9.6 / 10	Distance 1.58 KM
Newbridge Academy	Independent	Grades Served —	Catchment Info —	8.1 / 10	Distance 1.69 KM
Jessie Lee Elementary School	Public	Grades Served K-7	Catchment Info —	5.2 / 10	Distance 1.82 KM
H T Thrift Elementary School	Public	Grades Served K-7	Catchment Info —	6.8 / 10	Distance 1.97 KM
Semiahmoo Secondary School	Public	Grades Served 8-12	Catchment Info —	8.0 / 10	Distance 2.10 KM
White Rock Christian Academy	Independent	Grades Served K-12	Catchment Info —	8.9 / 10	Distance 2.35 KM
South Surrey White Rock Learning Centre	Public	Grades Served 10-12	Catchment Info —	3.8 / 10	Distance 2.35 KM
Star of the Sea	Independent	Grades Served —	Catchment Info —	4.6 / 10	Distance 2.60 KM
Star of the Sea School	Independent	Grades Served K-7	Catchment Info —	8.7 / 10	Distance 2.68 KM
Bayridge Elementary	Public	Grades Served —	Catchment Info —	6.7 / 10	Distance 2.92 KM

Walkability & Transit Near 1191 Finlay Street

Car-Dependent 75

Walk Score - Very Walkable

Most errands can be accomplished on foot

Some Transit 0

Transit Score - Minimal Transit

It is possible to get on a bus

Somewhat
Bikeable 58

Bike Score - Bikeable

Some bike infrastructure

Mortgage Calculator for 1191 Finlay Street

Home Price

Down Payment

Down Payment (percent)

Interest Rate

Loan Type

/month

Principal & Interest

Property Taxes $714

Maintenance fee 0

Financing 80% of the $1,599,000 asking price over 30 years at 4% results in approximately $6,821/month in total estimated carrying costs, $714 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.

Listing data last synced: Jul 16, 2026

Investment Cashflow Calculator

Property Tax (Monthly)

Basic Insurance Cost

Rental Income

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Break Even Down Payment 0%

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Cash on Cash

This listing generates an estimated $5,168/month in rental income, leaving a -$1,819/month cashflow at current carrying costs. Investors targeting break-even would need roughly 44% down.

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

Estateblock Rent Estimate for 1191 Finlay Street, White Rock

Buy Vs Rent Calculator

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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.