Property Type: Land / LotOwnership: Freehold

13828 3A Highway

Gray Creek, BC V0B1S0

$625,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
10.6 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$3,110

Interior

Fireplace
None

Exterior & Lot

View
Lake view, Mountain view
Waterfront
Waterfront on lake

Listing Information

MLS®
10378420
Listed
March 11, 2026
Time on market
On the market for 173 days
Data last synced
August 28, 2026

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

Description

KOOTENAY LAKE WATERFRONT! Are you looking for your own slice of paradise with a level, walk out beach - look no farther, we may have what you have been looking for. The Sellers have just completed the process to add the accreted land to this property, increasing its size to 10.60 acres of land. The waterfront portion is a lovely pebble beach that stretches along the shoreline. There is a private fire pit and sitting area nestled in the trees and endless panoramic views across Kootenay Lake. This parcel of land is split by Highway 3A with the majority of the property being above the highway. Drive up the driveway, you will see the former building site on the upper side of the property that offers lake views as well. There is a trail to hike through the forested land above. Develop the upper portion, look into subdivision potential between the upper and lower portions, or talk to family members or friends about a joint purchase, the options are plentiful. Owned by the same family for many years and priced well below the BC Assessed Value, if you have been thinking about Kootenay Lake for a while now is your opportunity! (id:63159)

Location Insights

Weather

Nearest station: Nelson

16°C

Humidity 68%

Wind NE 2 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Crawford Bay Elem-SecondaryK-1213.6 km
Redfish Elementary SchoolElementary19.4 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: Kootenay Lake (SD8)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 6.0% ($37,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$500,000.00
Periodic payment — Principal & Interest (monthly)$3,225.83
Additional monthly expenses (strata, tax, utilities, etc.)$259.17
Total monthly cost$3,485.00
Interest paid over 5-yr term$143,301.44
Balance at end of term$449,751.62

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$37,500
Stress test qualifying rate8.09%
Payment you must qualify for$4,517.67

Cash Needed at Closing

Minimum down payment$37,500
Estimated BC PTT$10,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$49,500

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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