Property Type: Detached HouseOwnership: Freehold

10 Spruce Court

Osoyoos, BC V0H1V3

$628,000

4 bed3.5 bath1 parking2,244 sqftBuilt 1981
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.24 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,508

Interior

Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
None

Parking

Total spaces
1 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Laundry roomBasement8' x 8'5''
BedroomBasement12'10'' x 10'7''
FoyerBasement10'6'' x 11'
Full bathroomBasement
Recreation roomBasement13'5'' x 20'6''
Partial ensuite bathroomMain level
Full bathroomMain level
Dining nookMain level8'10'' x 12'9''
Dining roomMain level10'8'' x 13'
BedroomMain level9'7'' x 11'3''
BedroomMain level10'2'' x 11'3''
Primary BedroomMain level14'8'' x 11'8''
Living roomMain level19'2'' x 14'5''
KitchenMain level10' x 12'

Listing Information

MLS®
10387950
Listed
May 19, 2026
Time on market
On the market for 104 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Realty Solutions · Data source: CREA DDF.

Description

This family home has been well cared for over the years and is ready for it's next owner to make some new memories here! Spacious walk-up plan with 3 bedrooms, huge kitchen & family size living room with covered deck overlooking the quiet cul-de-sac. Hardwood floors in living room & gas fireplace create a cozy, inviting space for friends & family to gather. Downstairs you'll find a huge recroom & 4th bedroom perfect place for the teenagers to hangout. East facing backyard is huge & backs onto orchard for maximum privacy. So many options: garden, pool, playsets or all of the above! Located at the end of a small cul-de-sac. Quiet neighbourhood a short stroll to Cottonwood Beach. Measurements approximate and should be verified if important. (id:63159)

Values & Trends

This listing

$280/sqft

Building average

No other active listings in this building

Osoyoos average

$564/sqft

130 active listing(s)

Parking: 1 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

23°C

Humidity 43%

Wind S 7 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,556

(2021 Census)

+10% since 2016

Density: 660.6/km²

Dwellings: 3,279

Median household income: $66,000

After-tax: $60,800

Immigrant population: 20%

Top countries of origin (% of total population)

  • United Kingdom3.8% · 210
  • India3.3% · 185
  • United States of America1.9% · 105
  • Portugal1.6% · 90
  • Germany1.1% · 60
  • Philippines1.1% · 60
  • Italy0.5% · 30
  • Netherlands0.4% · 25

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

2/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Osoyoos ElementaryElementary1.9 km
Osoyoos SecondarySecondary3.2 km
Senpaq'cin School(Independent)Elementary17.5 km
Tuc-el-Nuit ElementaryElementary18.4 km
Southern Okanagan SecondarySecondary18.6 km
Southern Okanagan AltSecondary18.6 km
Oliver ElementaryElementary18.7 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Restaurants (1)

  • Cantina Spirit Beach773 m

Parks (2)

  • Unnamed399 m
  • Unnamed461 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Similkameen (SD53)

Mortgage & Ownership Cost Calculator

Minimum required: 6.0% ($37,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$502,400.00
Periodic payment — Principal & Interest (monthly)$3,241.31
Additional monthly expenses (strata, tax, utilities, etc.)$404.33
Total monthly cost$3,645.65
Interest paid over 5-yr term$143,989.28
Balance at end of term$451,910.42

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$37,800
Stress test qualifying rate8.09%
Payment you must qualify for$4,538.43

Cash Needed at Closing

Minimum down payment$37,800
Estimated BC PTT$10,560
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,860

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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