Property Type: Detached HouseOwnership: Freehold

1414 Black Bear Drive

Golden, BC V0A1H7

$899,000

3 bed2 bath1,664 sqftBuilt 2022
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
2.07 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$80/mo
Annual property tax
$3,032.69

Maintenance Fee Includes

Garbage

Also included: Other, See Remarks

Interior

Basement
Full
Heating
Heat Pump, Stove, Electric, See remarks, Wood
Cooling / A/C
Heat Pump
Fireplace
Yes (1)
Fireplace type
Free Standing Metal

Building

Roof
Metal, Unknown

Restrictions & Policies

Pets
Allowed
Rentals
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Living roomLower level' x '
KitchenLower level' x '
Full bathroomLower level
BedroomLower level' x '
BedroomMain level9'3'' x 9'
Full bathroomMain level
Primary BedroomMain level10'6'' x 9'
KitchenMain level12' x 15'4''
Living roomMain level18'11'' x 15'4''

Listing Information

MLS®
10382718
Listed
April 9, 2026
Time on market
On the market for 144 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX of Golden · Data source: CREA DDF.

Description

Welcome to 1414 Black Bear Drive - a beautifully crafted mountain home built in 2022 by Zimmerman Construction, offering the perfect blend of modern comfort and alpine charm. This thoughtfully designed home features 3 bedrooms and 2 bathrooms, with a functional layout ideal for both full-time living and vacation/investment potential. The main level hosts 2 bedrooms and 1 bathroom, complemented by an open-concept living space that is filled with natural light. Large, bright windows frame stunning views across the Columbia Valley and lead out to a full-length front deck, perfect for soaking in the surrounding mountain scenery. At the heart of the home, a cozy wood stove adds warmth and that unmistakable mountain-home ambiance, creating the perfect space to relax after a day outdoors. The lower level offers incredible flexibility, with a self-contained 1 bedroom, 1 bathroom suite occupying half the space, ideal for guests, extended family, or rental income. The remaining lower area features tall ceilings and is currently used for storage but is primed for future development into a rec room, family room, or additional living space to suit your needs. Modern construction, stunning views, and versatile living options, this is mountain living at its finest. (id:63159)

Values & Trends

This listing

$540/sqft

Building average

No other active listings in this building

South Hwy 95 average

$501/sqft

17 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

Mostly Cloudy

11°C

Mostly Cloudy

Humidity 100%

Wind NNE 4 km/h

Tonight

Tuesday

24°

Tuesday night

11°

Wednesday

23°

Wednesday night

11°

Thursday

17°

Source: Environment and Climate Change Canada.

Population

3,986

(2021 Census)

+7.5% since 2016

Density: 351.8/km²

Dwellings: 1,892

Median household income: $87,000

After-tax: $76,000

Immigrant population: 11.3%

Top countries of origin (% of total population)

  • United Kingdom2.5% · 100
  • India1.9% · 75
  • Philippines1.4% · 55
  • United States of America1.1% · 45
  • Germany0.8% · 30
  • Italy0.5% · 20
  • France0.4% · 15
  • Netherlands0.3% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Nicholson ElementaryElementary4.9 km
Alexander Park ElementaryElementary11.3 km
Golden SecondarySecondary11.4 km
La ConfluenceElementary11.8 km
Golden Alternate SchoolSecondary11.9 km
Lady Grey ElementaryElementary12.1 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: Rocky Mountain (SD6)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,200.00
Periodic payment — Principal & Interest (monthly)$4,640.03
Additional monthly expenses (strata, tax, utilities, etc.)$415.72
Total monthly cost$5,055.76
Interest paid over 5-yr term$206,124.79
Balance at end of term$646,922.73

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,413.94

Cash Needed at Closing

Minimum down payment$64,900
Estimated BC PTT$15,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,380

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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