Property Type: Detached HouseOwnership: Freehold

12854 BENS ROAD

Charlie Lake, BC V0C1H0

$989,000

4 bed4 bath3,654 sqftBuilt 2008
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
1 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,337.5 (2025)

Interior

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

Exterior & Lot

View
Lake view, View, View of water

Building

Foundation
Concrete Perimeter
Roof
Asphalt shingle, Conventional

Parking

Features
Garage, Open

Room Dimensions

RoomLevelDimensions
FoyerMain level
Living roomMain level
KitchenMain level
OfficeMain level
Laundry roomMain level
Primary BedroomAbove
OtherAbove
Bedroom 2Above
Bedroom 3Above
Bedroom 4Above
MediaLower level
Flex SpaceLower level
Recreational, Games roomLower level

Listing Information

MLS®
R3123505
Listed
May 13, 2026
Time on market
On the market for 110 days
Tax assessment year
2025
Data last synced
August 28, 2026

Listing provided by: Izon Realty · Data source: CREA DDF.

Description

One of Charlie Lake’s most impressive semi-custom residences – a striking home that blends modern elegance with thoughtful design on a private one-acre lot. Built in 2008 with quality craftsmanship, this 4-bedroom, 4-bath executive home offers over 3,500 sqft of refined living space across three levels, delivering the space, style, and privacy today’s discerning buyer is looking for. The main floor features an open, airy layout ideal for both everyday living and entertaining, with generous principal rooms, soaring ceilings, and abundant natural light. Upstairs you’ll find well-appointed bedrooms including a spacious primary suite with private ensuite, while the walk-out basement adds incredible flexibility for a home theatre, rec room, gym, or guest area. Enjoy the convenience of an attached garage and expansive yard for outdoor fun. Set on a beautifully treed one-acre lot in the sought-after Charlie Lake community of Ben’s Subdivision, you’ll enjoy peace and privacy just minutes from Fort St John’s amenities. (id:63159)

Values & Trends

This listing

$271/sqft

Building average

No other active listings in this building

Charlie Lake average

$309/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 ElementaryElementary1.6 km
Margaret Ma Murray Community SchoolElementary7.1 km
C.M. Finch ElementaryElementary7.7 km
Upper Pine Elem-Jr SecondaryElementary/Middle7.7 km
Bert Bowes Middle SchoolMiddle8.2 km
Bert AmbroseElementary8.4 km
Ecole Central Elem School Of The ArtsElementary8.5 km
Alwin Holland ElementaryElementary8.8 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: Peace River North (SD60)

Mortgage & Ownership Cost Calculator

Minimum required: 7.5% ($73,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$791,200.00
Periodic payment — Principal & Interest (monthly)$5,104.55
Additional monthly expenses (strata, tax, utilities, etc.)$544.46
Total monthly cost$5,649.01
Interest paid over 5-yr term$226,760.19
Balance at end of term$711,686.96

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$73,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,036.80

Cash Needed at Closing

Minimum down payment$73,900
Estimated BC PTT$17,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$93,180

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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