Property Type: Detached HouseOwnership: Freehold

12851 BENS ROAD

Charlie Lake, BC V0C1H0

$579,900

3 bed3 bath1,766 sqftBuilt 2005
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
1 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,689.06 (2025)

Interior

Basement
Finished, N/A
Heating
Forced air, Natural gas
Fireplace
Yes (1)

Exterior & Lot

Exterior features
Vinyl siding

Building

Foundation
Concrete Perimeter
Roof
Asphalt shingle, Conventional

Parking

Features
Garage, Open, RV

Room Dimensions

RoomLevelDimensions
Living roomMain level
Dining roomMain level
KitchenMain level
Primary BedroomMain level
OtherMain level
Bedroom 2Main level
Bedroom 3Lower level
Family roomLower level
Laundry roomLower level

Listing Information

MLS®
R3104971
Listed
March 30, 2026
Time on market
On the market for 154 days
Tax assessment year
2025
Data last synced
August 28, 2026

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

Description

Enjoy peaceful country living with beautiful lake views in this home in Bens Subdivision. The open-concept kitchen and living area features vaulted ceilings, tiled entry, and quality flooring throughout. Large tinted windows provide UV protection while showcasing stunning lake views. The primary bedroom includes a walk-in closet, full ensuite, and patio doors leading to the sundeck -- perfect for relaxing outdoors. The fully finished basement offers a rec room with a natural gas fireplace, a third bedroom, and a 3-piece bathroom. With convenient lower-level access to the attached garage, this home combines comfort, style, and practicality in a scenic setting. (id:63159)

Values & Trends

This listing

$328/sqft

Building average

No other active listings in this building

Charlie Lake average

$305/sqft

18 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: Fort St. John

Partly Cloudy

13°C

Partly Cloudy

Humidity 72%

Wind SSW 18 km/h

Tonight

Tuesday

22°

Tuesday night

Wednesday

23°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Charlie Lake ElementaryElementary1.7 km
Margaret Ma Murray Community SchoolElementary7.1 km
C.M. Finch ElementaryElementary7.7 km
Upper Pine Elem-Jr SecondaryElementary/Middle7.8 km
Bert Bowes Middle SchoolMiddle8.2 km
Bert AmbroseElementary8.5 km
Ecole Central Elem School Of The ArtsElementary8.5 km
Alwin Holland ElementaryElementary8.9 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: Peace River North (SD60)

Mortgage & Ownership Cost Calculator

Minimum required: 5.7% ($32,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$463,920.00
Periodic payment — Principal & Interest (monthly)$2,993.05
Additional monthly expenses (strata, tax, utilities, etc.)$312.09
Total monthly cost$3,305.14
Interest paid over 5-yr term$132,960.81
Balance at end of term$417,297.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$32,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,205.55

Cash Needed at Closing

Minimum down payment$32,990
Estimated BC PTT$9,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$44,088

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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