Property Type: Detached HouseOwnership: Freehold

10208 TWIN BAYS Road

Creston, BC V0B1A1

$945,000

4 bed2 bath8 parking3,595 sqftBuilt 1977
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
2.33 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,808

Interior

Basement
Partial, Crawl space
Heating
Baseboard heaters
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Carpeted, Linoleum, Mixed Flooring

Exterior & Lot

Exterior features
Wood, Stucco
View
Lake view, Mountain view

Building

Roof
Metal, Unknown

Parking

Total spaces
8 — uncovered indicated
Features
RV

Room Dimensions

RoomLevelDimensions
SunroomSecond level12'8'' x 21'4''
BedroomSecond level14'4'' x 14'0''
BedroomSecond level10'3'' x 14'5''
BedroomSecond level14'5'' x 12'4''
Primary BedroomSecond level14'6'' x 16'2''
FoyerMain level8'0'' x 9'0''
Family roomSecond level9'0'' x 29'3''
Family roomMain level24'2'' x 9'5''
Laundry roomMain level9'0'' x 7'5''
Dining nookMain level7'8'' x 9'5''
DenMain level16'3'' x 21'7''
4pc BathroomSecond level
4pc BathroomMain level
KitchenMain level14'3'' x 14'9''
Dining roomMain level22'3'' x 14'0''
Living roomMain level16'9'' x 25'5''

Listing Information

MLS®
10394800
Listed
July 15, 2026
Time on market
On the market for 47 days
Data last synced
August 28, 2026

Listing provided by: Century 21 Assurance Realty Ltd · Data source: CREA DDF.

Description

TWO YEAR ROUND HOMES! Incredible potential with this 2.33 acres of maturely landscaped property in the lake community of Twin Bays. There is terrific Air BnB potential with the main home - the layout is terrific. This expansive two-story post-and-beam West Coast style home offers a private setting with stunning views of Kootenay Lake. The four-bedroom, two-bathroom home features floor-to-ceiling windows that showcase the ever-changing scenery. The recently renovated kitchen boasts a layout that we think you will love. Just a five-minute walk to the sandy shores of Kootenay Lake, you’ll have easy access to beach days anytime, or you can unwind on your own private patio surrounded by beautiful landscaping. A charming guest cottage offers space for family, friends, and also has potential for vacation rental income. The detached 20' x 36' heated and insulated garage/workshop plus lots of open parking area and a spacious attached carport for your convenience. There is also a 18' x 15' enclosed dog run with a large dog house is perfect for furry companions. A personal visit is the best way to experience the charm and character of this unique home, located just a short drive from Creston. Enjoy year-round living in the vibrant Twin Bays lakeside community, complete with a sandy public beach, boat launch, and a welcoming network of neighbors and friends. Contact your REALTOR and imagine yourself living here! (id:63159)

Values & Trends

This listing

$263/sqft

Building average

No other active listings in this building

East Shore average

$593/sqft

8 active listing(s)

Parking: 8 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

17°C

Humidity 57%

Wind NW 10 km/h

Tonight

12°

Tuesday

28°

Tuesday night

14°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Population

5,583

(2021 Census)

+4.1% since 2016

Density: 663.9/km²

Dwellings: 2,810

Median household income: $58,800

After-tax: $54,400

Immigrant population: 11.8%

Top countries of origin (% of total population)

  • United Kingdom2.2% · 125
  • United States of America1.8% · 100
  • Germany1.1% · 60
  • Netherlands0.7% · 40
  • China0.6% · 35
  • Hungary0.4% · 20
  • Poland0.4% · 20
  • Mexico0.3% · 15

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Kootenay Lake (SD8)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 7.4% ($69,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$756,000.00
Periodic payment — Principal & Interest (monthly)$4,877.46
Additional monthly expenses (strata, tax, utilities, etc.)$497.33
Total monthly cost$5,374.79
Interest paid over 5-yr term$216,671.77
Balance at end of term$680,024.45

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$69,500
Stress test qualifying rate8.09%
Payment you must qualify for$6,732.29

Cash Needed at Closing

Minimum down payment$69,500
Estimated BC PTT$16,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$87,900

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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