Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

11993 Highway 3a

Destiny Bay, BC V0B1A3

$429,000

2 bed1.5 bath588 sqftBuilt 1967
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.93 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,617.71

Interior

Heating
Baseboard heaters, Stove, Wood
Fireplace
None

Exterior & Lot

Waterfront
Waterfront on lake

Room Dimensions

RoomLevelDimensions
BedroomMain level8'5'' x 10'6''
Partial bathroomMain level
Primary BedroomMain level8'1'' x 11'6''
KitchenMain level11' x 11'8''
Living roomMain level11'2'' x 11'

Listing Information

MLS®
10398420
Listed
August 26, 2026
Time on market
On the market for 5 days
Data last synced
August 28, 2026

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

Description

Waterfront Opportunity on .93 Acres in Destiny Bay Discover the potential of this waterfront property, conveniently situated on a generous lot in sought-after Destiny Bay. With water frontage and nearly an acre of space, this property offers a rare opportunity to create your ideal getaway or full-time residence. Priced well below BC Assessment, this is a rare chance to secure waterfront value in today's market. The existing cabin presents a great opportunity for renovation. Bring your vision to update and personalize the space to today's standards and your own style. For those dreaming bigger, the spacious lot also offers excellent potential to build a new home, taking full advantage of the water views and setting. Whether you're looking to renovate, rebuild, or explore your options, this property is a canvas ready for your ideas. Properties with this much waterfront acreage rarely last. Don't miss your chance to make Destiny Bay home. (id:63159)

Values & Trends

This listing

$730/sqft

Building average

No other active listings in this building

East Shore average

$535/sqft

8 active listing(s)

Parking: Not indicatedStorage 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: Nelson

12°C

Humidity 85%

Wind SE 3 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

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: 5.0% ($21,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$343,200.00
Periodic payment — Principal & Interest (monthly)$2,214.21
Additional monthly expenses (strata, tax, utilities, etc.)$247.14
Total monthly cost$2,461.35
Interest paid over 5-yr term$98,362.11
Balance at end of term$308,709.51

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$21,450
Stress test qualifying rate8.09%
Payment you must qualify for$3,133.92

Cash Needed at Closing

Minimum down payment$21,450
Estimated BC PTT$6,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$29,530

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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