Property Type: Detached HouseOwnership: Freehold

1313 Spruce Avenue

Merritt, BC V1K1L2

$500,000

5 bed4.5 bath3 parking2,491 sqftBuilt 1997
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.15 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,628

Interior

Heating
Forced air, See remarks, Hot Water
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Tile, Hardwood, Mixed Flooring

Exterior & Lot

Exterior features
Stucco
View
View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Primary BedroomSecond level13'0'' x 11'6''
Living roomSecond level13'0'' x 18'0''
Dining roomSecond level15'4'' x 8'4''
Recreation roomMain level11'7'' x 16'2''
Family roomMain level11'7'' x 16'2''
BedroomSecond level10'0'' x 14'6''
BedroomMain level8'9'' x 11'0''
BedroomSecond level11'2'' x 11'11''
BedroomMain level11'4'' x 11'9''
KitchenMain level12' x 15'9''
KitchenSecond level15'4'' x 10'6''
3pc Ensuite bathSecond level
4pc BathroomMain level
4pc BathroomSecond level
2pc BathroomMain level

Listing Information

MLS®
10390784
Listed
June 9, 2026
Time on market
On the market for 84 days
Data last synced
August 28, 2026

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

Description

Great location close to park, this 3 bedroom basement entry home is on a quiet street. Hardwood & ceramic floors, huge oak country kitchen with open dining room that opens out to covered sundeck, 2 gas fireplaces, 1 car garage and located in good area of the city. Lots of parking in the back yard for RV and toys. Also has an approved 2 bedroom suite on the ground level. The yard has mature landscaping and is fenced with raised garden beds in the back yard. New roof and skylight 2 years sold. Don't wait on this one, selling well below the BC assessed priced assessed at $546k now priced at $526k. 24 hours notice. (id:63159)

Values & Trends

This listing

$201/sqft

Building average

No other active listings in this building

Merritt average

$361/sqft

91 active listing(s)

Parking: 3 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

16°C

Humidity 59%

Wind NE 5 km/h

Tonight

Tuesday

25°

Tuesday night

12°

Wednesday

21°

Wednesday night

Thursday

16°

Source: Environment and Climate Change Canada.

Population

7,051

(2021 Census)

-1.2% since 2016

Density: 270.8/km²

Dwellings: 3,149

Median household income: $70,000

After-tax: $64,000

Immigrant population: 9.6%

Top countries of origin (% of total population)

  • India2.3% · 160
  • United States of America1% · 70
  • United Kingdom0.9% · 65
  • Philippines0.8% · 55
  • Korea, South0.5% · 35
  • Italy0.4% · 25
  • Netherlands0.4% · 25
  • South Africa, Republic of0.3% · 20

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

1/9 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
Collettville ElementaryElementary366 m
Merritt SecondaryElementary672 m
Merritt Central ElementaryElementary914 m
Kengard Alternate SchoolSecondary1.9 km
Diamond Vale ElementaryElementary2.2 km
Merritt Bench ElementaryElementary2.5 km
Nicola Canford ElementaryElementary2.6 km
Lower Nicola Band School(Independent)Elementary5.7 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

Parks (3)

  • Centennial Park · 1350 Government Avenue200 m
  • Voght Park · 1500 Canford Avenue409 m
  • Fairley Park · 1788 Quilchena Avenue780 m

Nearby places data: © OpenStreetMap contributors.

School district: Nicola-Similkameen (SD58)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($25,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$400,000.00
Periodic payment — Principal & Interest (monthly)$2,580.66
Additional monthly expenses (strata, tax, utilities, etc.)$510.67
Total monthly cost$3,091.33
Interest paid over 5-yr term$114,641.15
Balance at end of term$359,801.29

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$25,000
Stress test qualifying rate8.09%
Payment you must qualify for$3,652.58

Cash Needed at Closing

Minimum down payment$25,000
Estimated BC PTT$8,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$34,500

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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