Property Type: Detached HouseOwnership: Freehold

1076 COLUMBIA GARDENS Road

Fruitvale, BC V0G1L1

$925,000

4 bed3 bath2 parking2,778 sqftBuilt 1981
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
10.45 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,673.95

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes
Fireplace type
Wood, Conventional
Flooring
Tile, Carpeted, Wood

Exterior & Lot

Waterfront
Waterfront on creek

Building

Roof
Metal, Vinyl Shingles, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage, Other, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
StorageBasement16' x 9'
Laundry roomBasement10' x 13'
Full bathroomBasement1'0'' x 1'0''
OtherBasement9'6'' x 9'6''
Family roomBasement28'0'' x 19'0''
BedroomBasement13'8'' x 9'6''
Dining roomMain level9'4'' x 13'4''
Full bathroomMain level1'0'' x 1'0''
Full ensuite bathroomMain level1'0'' x 1'0''
Primary BedroomMain level12'6'' x 12'10''
BedroomMain level11'8'' x 9'10''
BedroomMain level9'10'' x 9'10''
KitchenMain level15'0'' x 13'4''
Living roomMain level15'3'' x 15'3''

Listing Information

MLS®
10379858
Listed
March 20, 2026
Time on market
On the market for 164 days
Data last synced
August 28, 2026

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

Description

The properties on Columbia Gardens Road are rare, so here's your opportunity to own 10.45 acres of paradise. This 4-bedroom, 3-bathroom home offers total privacy while being just 5 minutes from downtown and 15 minutes from Trail. Designed with family in mind, the house features 3 bedrooms on the main level, a large deck, a spacious family room, a well-equipped kitchen, and the potential for another bedroom, along with plenty of storage space. The stunning property includes open spaces and wooded areas, making it perfect for children to play, garden, and keep animals. With spring just around the corner, you could be enjoying all of this soon. Additionally, there is a double garage attached to the house with access to the basement, as well as a huge 39x39 ft shop. This shop comes with its own 200-amp service, high ceilings, and is both insulated and heated. It features large double doors at the front and back for easy drive-through access, making it ideal for both work and play. This property is perfect for horses, as it is already partially fenced, and Linnie Creek runs right through it Don’t wait! This opportunity won't last long! (id:63159)

Values & Trends

This listing

$333/sqft

Building average

No other active listings in this building

Fruitvale Rural average

$404/sqft

2 active listing(s)

Parking: 2 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

Nearest station: Trail

18°C

Humidity 50%

Wind NNW 2 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Population

1,958

(2021 Census)

+2% since 2016

Density: 725.2/km²

Dwellings: 881

Median household income: $83,000

After-tax: $73,500

Immigrant population: 7.1%

Top countries of origin (% of total population)

  • United Kingdom2.3% · 45
  • Germany0.8% · 15
  • Mexico0.5% · 10
  • United States of America0.5% · 10
  • Italy0.5% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Fruitvale ElementaryElementary4.1 km
Glenmerry ElementaryElementary7.2 km
Kootenay Columbia SecondarySecondary9.4 km
J Lloyd Crowe SecondaryElementary9.9 km
St Michael's Elementary(Independent)Elementary10.0 km
James L Webster ElementaryElementary12.9 km
des Sept-sommetsElementary/Middle16.6 km
Rossland Summit SchoolElementary/Middle16.8 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.

School district: Kootenay-Columbia (SD20)

Mortgage & Ownership Cost Calculator

Minimum required: 7.3% ($67,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$740,000.00
Periodic payment — Principal & Interest (monthly)$4,774.23
Additional monthly expenses (strata, tax, utilities, etc.)$445.16
Total monthly cost$5,219.39
Interest paid over 5-yr term$212,086.13
Balance at end of term$665,632.39

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$67,500
Stress test qualifying rate8.09%
Payment you must qualify for$6,593.87

Cash Needed at Closing

Minimum down payment$67,500
Estimated BC PTT$16,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$85,500

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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