Property Type: Detached HouseOwnership: Freehold

1282 4TH Avenue

Fernie, BC V0B1M0

$1,195,000

4 bed4.5 bath1 parking2,220 sqftBuilt 2024
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.08 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,788

Interior

Basement
Full
Heating
Forced air, See remarks
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Other

Exterior & Lot

Exterior features
Other
View
Mountain view

Building

Roof
Metal, Unknown

Parking

Total spaces
1 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
StorageLower level4'6'' x 6'3''
4pc BathroomLower level
BedroomLower level9'4'' x 12'7''
Recreation roomLower level11'3'' x 13'10''
4pc BathroomSecond level
FoyerMain level7'4'' x 8'10''
Living roomMain level9'9'' x 13'9''
KitchenMain level8'6'' x 12'6''
Dining roomMain level10'5'' x 12'2''
2pc BathroomMain level
Primary BedroomSecond level11'7'' x 13'3''
3pc Ensuite bathSecond level
BedroomSecond level9'4'' x 10'7''
BedroomSecond level9'4'' x 10'7''

Listing Information

MLS®
10387348
Listed
May 13, 2026
Time on market
On the market for 110 days
Data last synced
August 28, 2026

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

Description

Completed in 2024 and thoughtfully designed for modern mountain living, this surprisingly spacious 4-bedroom, 4-bathroom home is ideally located in the heart of downtown Fernie. From the moment you step inside, you’ll appreciate the functional layout, quality finishings and natural light throughout. The main floor welcomes you with a generous entryway leading into an open-concept living space with access to the covered rear deck, complete with a hot tub, fenced yard and loads of sun. The kitchen is beautifully appointed with modern cabinetry, stone countertops, a gas range and bar fridge, seamlessly connecting to the dining area and inviting living room featuring a striking stone-surround gas fireplace. A convenient powder room completes the main level. Upstairs are three bright bedrooms, all with mountain views. The primary suite enjoys stunning west-facing views of Mt. Fernie, along with a walk-in closet and elegant ensuite. Two additional bedrooms, a full bathroom and upper-level laundry offer everyday functionality. The fully finished lower level adds flexibility with a large second living space, fourth bedroom, full bathroom and ample storage. Outside, enjoy a low-maintenance exterior, attached garage, parking for two vehicles and a private backyard. The desirable location is steps to schools, downtown shops and restaurants, trails, the dog park and more. A rare opportunity to enjoy newer construction and walkable Fernie living. (id:63159)

Values & Trends

This listing

$538/sqft

Building average

No other active listings in this building

Fernie average

$697/sqft

36 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

Nearest station: Sparwood

Mainly Sunny

12°C

Mainly Sunny

Humidity 72%

Wind SE 4 km/h

Tonight

Tuesday

26°

Tuesday night

Wednesday

21°

Wednesday night

Thursday

18°

Source: Environment and Climate Change Canada.

Population

6,320

(2021 Census)

+17.1% since 2016

Density: 418.3/km²

Dwellings: 3,256

Median household income: $107,000

After-tax: $92,000

Immigrant population: 13.8%

Top countries of origin (% of total population)

  • United Kingdom4.4% · 275
  • United States of America1.3% · 80
  • Germany0.8% · 50
  • Italy0.6% · 40
  • France0.6% · 35
  • Philippines0.5% · 30
  • Russian Federation0.2% · 15
  • Hong Kong0.2% · 15

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

30

6/9 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
Isabella Dicken ElementaryElementary213 m
Fernie SecondaryK-12467 m
The Fernie Academy(Independent)K-12924 m
Sophie-MorigeauElementary2.4 km
Jaffray Elem-Jr SecondaryElementary/Middle23.5 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 (5+)

  • Chilango · 1302 BC-3 13th Street257 m
  • Boston Pizza410 m
  • The Curry Bowl497 m
  • Bramasole Restaurant & Wine Bar · 851 7th Avenue570 m
  • The Pub, Bar & Grill · 742 BC-3615 m

Cafes (4)

  • Starbucks519 m
  • Tim Hortons695 m
  • Freshies Cafe · 601A 2nd avenue735 m
  • Mug Shots772 m

Grocery (2)

  • Save-On-Foods · 792 2nd Avenue624 m
  • Ann's Your Independent Grocer661 m

Parks (3)

  • Unnamed247 m
  • Unnamed782 m
  • Unnamed790 m

Shopping (1)

  • Canadian Tire771 m

Pharmacies (1)

  • Save-On-Foods · 792 2nd Avenue635 m

Nearby places data: © OpenStreetMap contributors.

School district: South East Kootenay (SD5)

Mortgage & Ownership Cost Calculator

Minimum required: 7.9% ($94,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$956,000.00
Periodic payment — Principal & Interest (monthly)$6,167.79
Additional monthly expenses (strata, tax, utilities, etc.)$676.67
Total monthly cost$6,844.45
Interest paid over 5-yr term$273,992.35
Balance at end of term$859,925.09

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$94,500
Stress test qualifying rate8.09%
Payment you must qualify for$8,462.46

Cash Needed at Closing

Minimum down payment$94,500
Estimated BC PTT$21,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$117,900

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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