Home White Rock, BC White Rock 866 Finlay Street

866 Finlay St, White Rock BC - Single Family Residence for Sale - MLS# R3159842

36 days on the market

$1,249,000

Est. Mortgage $5,526/mo

Listing updated: Sep 21, 2026 at 07:34pm

EstateBlock checked: Oct 7, 2026 at 08:25am

5 Beds

2 Baths

1514 sqft

825 $ /sqft

9.4% price reduction

36 days on the market

$1,249,000

$1,379,000

Est. $5,526/mo with 20% down

Listing updated: Sep 21, 2026 at 07:34pm

EstateBlock checked: Oct 7, 2026 at 08:25am

Photos

Exterior Front Photo of 866 Finlay Street, White Rock, BC

Exterior Rear Photo of 866 Finlay Street, White Rock, BC

Living Room Photo of 866 Finlay Street, White Rock, BC

Family Room Photo of 866 Finlay Street, White Rock, BC

Dining Area Photo of 866 Finlay Street, White Rock, BC

Kitchen Photo of 866 Finlay Street, White Rock, BC

Kitchen Island Photo of 866 Finlay Street, White Rock, BC

Pantry Photo of 866 Finlay Street, White Rock, BC

Breakfast Nook Photo of 866 Finlay Street, White Rock, BC

Primary Bedroom Photo of 866 Finlay Street, White Rock, BC

Primary Bathroom Photo of 866 Finlay Street, White Rock, BC

Walk-In Closet Photo of 866 Finlay Street, White Rock, BC

Bedroom 2 Photo of 866 Finlay Street, White Rock, BC

Bedroom 3 Photo of 866 Finlay Street, White Rock, BC

Bedroom 4 Photo of 866 Finlay Street, White Rock, BC

Guest Bathroom Photo of 866 Finlay Street, White Rock, BC

Powder Room Photo of 866 Finlay Street, White Rock, BC

Office / Den Photo of 866 Finlay Street, White Rock, BC

Loft / Bonus Room Photo of 866 Finlay Street, White Rock, BC

Basement Recreation Room Photo of 866 Finlay Street, White Rock, BC

Laundry Room Photo of 866 Finlay Street, White Rock, BC

Mudroom Photo of 866 Finlay Street, White Rock, BC

Entry Foyer Photo of 866 Finlay Street, White Rock, BC

Hallway Photo of 866 Finlay Street, White Rock, BC

Staircase Photo of 866 Finlay Street, White Rock, BC

Garage Interior Photo of 866 Finlay Street, White Rock, BC

Outdoor Patio Photo of 866 Finlay Street, White Rock, BC

Outdoor Deck Photo of 866 Finlay Street, White Rock, BC

Backyard Photo of 866 Finlay Street, White Rock, BC

Front Yard Photo of 866 Finlay Street, White Rock, BC

Garden / Landscaping Photo of 866 Finlay Street, White Rock, BC

Swimming Pool Photo of 866 Finlay Street, White Rock, BC

Hot Tub / Spa Photo of 866 Finlay Street, White Rock, BC

Outdoor Kitchen Photo of 866 Finlay Street, White Rock, BC

Aerial View of 866 Finlay Street, White Rock, BC

Street View Photo of 866 Finlay Street, White Rock, BC

Neighborhood Park Photo Near 866 Finlay Street, White Rock, BC

Community Amenities Photo (Clubhouse) of 866 Finlay Street, White Rock, BC

Fitness Center Photo Near 866 Finlay Street, White Rock, BC

Playground / Recreational Area Near 866 Finlay Street, White Rock, BC

Fantastic opportunity for a First-Time Buyer, Investor, or Developer in the highly desirable East Beach neighbourhood! Just a few blocks from the ocean and the shops, restaurants, and amenities along Marine Drive, this extensively renovated home offers a versatile two-level layout with 5 bedrooms, 2 bathrooms, and 2 kitchens. Recent upgrades include a reconfigured layout, new flooring, renovated bathrooms and kitchens, fresh paint, new blinds, doors, lighting, landscaping, and an improved driveway. The bright upper level offers a welcoming living space, updated kitchen, generous bedrooms, abundant natural light, and a balcony perfect for enjoying the fresh ocean air. The lower level features a separate entrance, second kitchen, additional bedrooms, bathroom and laundry- mortgage helper!

Interior Features

Basement Finished Area (sqft)	0
Basement Features	Finished, Exterior Entry
Appliances Included	Washer/Dryer, Dishwasher, Refrigerator, Stove
Heating Type	Baseboard, Forced Air
Laundry	In Unit
# of Kitchens	2
Foundation	Concrete Perimeter

Exterior Features

Exterior Features	Balcony
Roof	Asphalt
Structures	Residential Detached

Building Details

Price	$1,249,000
Total Bedrooms	5
Total Bathrooms	2
Full Bathrooms	2
Half Bathrooms	0
Floor Area Total (sqft)	1514
Age Of Building	1027
Building Type	Single Family Residence
Property Type	Residential
Stories	2
Ownership Type	Freehold NonStrata
Utility Type	Electricity Connected, Natural Gas Connected, Water Connected
Utility Sewer	Public Sewer, Sanitary Sewer, Storm Sewer
Water (WaterSource)	Public
Parking Type	Additional Parking
Total Parking Spaces	4

Lot & Land

Lot Size	4247
Lot Size Depth	Feet
Lot Size Frontage	33
MLS^® #	R3159842
Area	South Surrey White Rock
Neighbourhood	White Rock
City	White Rock
Postal Code	V4B 4K2
Gross Taxes	$6,367.25
Zoning	RS-2

Property Timeline

Status	Date	Price
R3159842 / Active	09-01-2026	$1,249,000
to view full Property History (3 earlier records)

Rooms

Floor	Type	Dimensions
Above Level	Family Room	10'11 x 10'11 ft
Above Level	Kitchen	7'1 x 7'1 ft
Above Level	Dining Room	11'7 x 11'7 ft
Main Level	Bedroom	7'0 x 7'0 ft
Main Level	Primary Bedroom	15'1 x 15'1 ft
Main Level	Bedroom	9'0 x 9'0 ft

Bathrooms

Floor	Ensuite	Pieces
Above Level	No	#4
Below	No	#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 1.1 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 2.3 km 8.1/10
Elementary, Secondary
White Rock Christian Academy: Above Average 2.98 km 8.9/10

Closest Transit

Bus Stop
Eastbound Columbia Ave @ Maple St: 0.06 km
Skytrain
Skytrain @ Willowbrook Station ( Under Construction till 2029): 13.36 km

Crime Rate

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

Demographics

Post-Secondary Education: Average 27%
No Certificate/Degree: Below Average 7.3%
Owner Occupied: Below Average 53.4%
Employment Rate: Below Average 45.3%

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

44 / 100

Overall sell-speed score

May take longer

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Price competition grade

No comparable data

Buyer's

Market conditions

Buyer's market — more supply than demand

Flood Risk

Unlikely — not in floodplain

Railway / Skytrain noise

Unlikely — 13.36 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

36 DOM

Listed

White Rock avg

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White Rock avg

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866 Finlay Street has a sell-speed score of 44/100, placing it in the "May take longer than the area average to sell" band. The listing is has limited comparable pricing data available. The local market is currently a Buyer's Market with a sales-to-active ratio of 7.8% — buyers have more leverage. With only 616 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 V4B 4K2

Natural hazards vary by location and can change over time. The following provides a summary of potential impacts to this area, postal code V4B 4K2, 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 (~14.6 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 (13 nearby)

Montgomery's cottage lunch · 168 m · Restaurant
New york hotdog & coffee · 190 m · Fast Food
Indian burgers joint · 194 m · Fast Food

Shopping (9 nearby)

Mystique hair design · 129 m · Hairdresser
Angels ice cream · 147 m · Gift Shop
Waxbox · waxbro · 173 m · Beauty Shop

Groceries (4 nearby)

White rock convenience store · 136 m · Convenience
Marine drive liquor store · 158 m · Beverages
Beaver tails · 250 m · Bakery

Cafes (3 nearby)

Finlay's east beach café · 123 m · Cafe
Leieve tea · 126 m · Cafe
Verandah cafe by the beach · 371 m · Cafe

Transit (1 nearby)

Bus stop southbound stayte rd @ buena vista ave · 989 m · Transit

Schools NearBy

11 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 1.07 KM
Peace Arch Elementary	Public	Grades Served —	Catchment Info —	5.9 / 10	Distance 1.07 KM
White Rock Elementary	Public	Grades Served —	Catchment Info —	5.9 / 10	Distance 1.09 KM
White Rock Elementary School	Public	Grades Served K-7	Catchment Info In Catchment	5.9 / 10	Distance 1.10 KM
South Meridian Elementary School	Public	Grades Served K-7	Catchment Info —	5.4 / 10	Distance 1.55 KM
Earl Marriott Secondary	Public	Grades Served —	Catchment Info —	9.6 / 10	Distance 1.95 KM
Newbridge Academy	Independent	Grades Served —	Catchment Info —	8.1 / 10	Distance 2.30 KM
H T Thrift Elementary School	Public	Grades Served K-7	Catchment Info —	6.8 / 10	Distance 2.42 KM
Jessie Lee Elementary School	Public	Grades Served K-7	Catchment Info —	5.2 / 10	Distance 2.47 KM
Semiahmoo Secondary School	Public	Grades Served 8-12	Catchment Info —	8.0 / 10	Distance 2.58 KM
White Rock Christian Academy	Independent	Grades Served K-12	Catchment Info —	8.9 / 10	Distance 2.98 KM

Walkability & Transit Near 866 Finlay Street

Car-Dependent 84

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 35

Bike Score - Somewhat Bikeable

Minimal bike infrastructure

Mortgage Calculator for 866 Finlay Street

Home Price

Down Payment

Down Payment (percent)

Interest Rate

Loan Type

/month

Principal & Interest

Property Taxes $531

Maintenance fee 0

Based on a 30-year fixed at 4% interest with 20% down ($249,800), the estimated monthly payment for this listing is $5,301/month — $4,770 principal & interest, $531 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

Property Tax (Monthly)

Basic Insurance Cost

Rental Income

Vacancy Rate

Down Payment

Down Payment (percent)

/month

Mortgage Payment

Monthly Payment

Break Even Down Payment 0%

Cap Rate

Cash on Cash

At an estimated rental income of $3,630/month, this property runs a $1,830/month shortfall after mortgage and carrying costs. Break-even requires approximately 51% down.

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

Estateblock Rent Estimate for 866 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.