Property Type: Detached HouseOwnership: Freehold

13816 CARDINAL ROAD

Charlie Lake, BC V0C1H0

$1,599,000

6 bed3 bath3,770 sqftBuilt 2009
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Amenities

Also listed: Fireplace(s)

Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
9.36 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,244.45 (2025)

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas, Hot Water
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)

Exterior & Lot

View
Lake view, Valley view

Building

Foundation
Concrete Perimeter
Roof
Asphalt shingle, Conventional

Parking

Features
Detached Garage, Garage, Garage

Room Dimensions

RoomLevelDimensions
Primary BedroomMain level
Bedroom 2Main level
Bedroom 3Main level
Enclosed porchMain level
KitchenMain level
Dining roomMain level
Living roomMain level
LibraryBasement
Bedroom 4Basement
Laundry roomBasement
Family roomBasement
Bedroom 5Basement
Bedroom 6Basement
GymBasement

Listing Information

MLS®
R3110906
Listed
April 13, 2026
Time on market
On the market for 140 days
Tax assessment year
2025
Data last synced
August 28, 2026

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

Description

Private 9.3-acre oasis with lake views just 10 minutes from the city. This beautifully built home offers nearly 4,000 sq ft with 6 bedrooms & 3 bathrooms. The main floor features 1,600 sq ft of hand-scraped engineered hardwood, a dark maple kitchen overlooking the dining and living areas, plus a tray ceiling & striking oversized fireplace. The primary suite offers a relaxing ensuite retreat. The fully finished basement includes a large rec room, 3 bedrooms, full bath, gym, and in- floor hot water heating, plus a hidden cold room. Set up for horses & built for lifestyle, the property includes a triple heated garage with hot/cold water and W/D hookups, a 40'x60' shop with bathroom and office, 30'x50' cold storage, and an 18'x20' garage. A rare combination of privacy, space, & functionality. (id:63159)

Values & Trends

This listing

$424/sqft

Building average

No other active listings in this building

Charlie Lake average

$300/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 ElementaryElementary7.7 km
Upper Pine Elem-Jr SecondaryElementary/Middle12.2 km
Margaret Ma Murray Community SchoolElementary12.9 km
C.M. Finch ElementaryElementary13.3 km
Bert AmbroseElementary13.8 km
Bert Bowes Middle SchoolMiddle14.0 km
Ecole Central Elem School Of The ArtsElementary14.3 km
Alwin Holland ElementaryElementary14.4 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: 20.0% ($319,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,279,200.00
Periodic payment — Principal & Interest (monthly)$8,252.96
Additional monthly expenses (strata, tax, utilities, etc.)$542.70
Total monthly cost$8,795.67
Interest paid over 5-yr term$366,622.40
Balance at end of term$1,150,644.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$319,800
Stress test qualifying rate8.09%
Payment you must qualify for$9,836.60

Cash Needed at Closing

Minimum down payment$319,800
Estimated BC PTT$29,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$351,280

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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