Property Type: OtherOwnership: Freehold

1448 Otter Lake Cross Road

Spallumcheen, BC V0E1B5

$4,950,000

3 bed2 bath1,344 sqftBuilt 1994
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Property Details

Property & Lot

Sub-type
Other
Stories
1
Lot size
160 acres

Ownership & Fees

Property type
Other
Ownership
Freehold
Annual property tax
$4,961.82

Interior

Heating
Baseboard heaters
Cooling / A/C
See Remarks
Fireplace
None

Exterior & Lot

View
Mountain view
Lot features
Level lot, Private setting

Building

Water source
Well
Sewer
Septic tank
Utilities
Water, Electricity
Parcel ID (PID)
004-399-650

Parking

Features
RV

Room Dimensions

RoomLevelDimensions
Full bathroomMain level
Full bathroomMain level
KitchenMain level10' x 14'
WorkshopMain level40' x 48'
BedroomMain level9' x 9'
OtherMain level28' x 65'
BedroomMain level9' x 9'
OtherMain level29' x 48'
Living roomMain level11' x 12'
OtherMain level30' x 60'
Primary BedroomMain level14' x 14'

Listing Information

MLS®
10397991
Listed
August 17, 2026
Time on market
On the market for 14 days
Data last synced
September 1, 2026

Listing provided by: Stonehaus Realty Corp. · Data source: CREA DDF.

Description

An exceptional opportunity to acquire 160 acres of flat, highly usable agricultural land in the heart of Armstrong. This versatile property offers endless potential for a wide range of farming operations including hay production, greenhouses, cattle, or a dairy enterprise. The land is well-equipped with three wells, three hay sheds, and a substantial 48’ x 40’ shop featuring 200-amp service and two bay doors, ideal for equipment storage and year-round operations. A mature treed wind barrier enhances functionality and provides natural protection across the property. Strategically located on Otter Lake Cross Road, this property benefits from Armstrong’s strong agricultural community, known for its fertile soils, supportive farming network, and proximity to larger centres like Vernon and Salmon Arm. The area offers a balanced rural lifestyle with access to essential amenities, schools, and recreation, making it attractive for both established operators and those looking to expand. Seller is open to leasing back all or a portion of the land, providing flexibility and potential immediate income for investors. A rare offering with scale, infrastructure, and long-term upside in one of the Okanagan’s most desirable farming regions. There is a 3 bed 2 bath mobile home on the property as well for living accommodation. (id:63159)

Values & Trends

This listing

$3,683/sqft

Building average

No other active listings in this building

Armstrong/ Spall. average

$814/sqft

16 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: Vernon

16°C

Humidity 68%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,307

(2021 Census)

+3.9% since 2016

Density: 20.8/km²

Dwellings: 2,099

Median household income: $84,000

After-tax: $76,500

Immigrant population: 7.6%

Top countries of origin (% of total population)

  • United States of America1.3% · 70
  • Germany1.2% · 65
  • United Kingdom1.1% · 60
  • Netherlands1% · 55
  • South Africa, Republic of0.4% · 20
  • Russian Federation0.2% · 10
  • Philippines0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Pleasant Valley SecondarySecondary2.7 km
Len Wood Middle SchoolMiddle3.1 km
Armstrong ElementaryElementary3.5 km
Highland Park ElementaryElementary4.3 km
North Okanagan Junior Academy(Independent)Elementary/Middle4.5 km
Vernon Christian School(Independent)K-1211.7 km
B X ElementaryElementary14.0 km
Pleasant Valley Christian Academy(Independent)Elementary/Middle15.4 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: Okanagan-Shuswap (SD83)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($990,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$3,960,000.00
Periodic payment — Principal & Interest (monthly)$25,548.58
Additional monthly expenses (strata, tax, utilities, etc.)$480.48
Total monthly cost$26,029.06
Interest paid over 5-yr term$1,134,947.38
Balance at end of term$3,562,032.81

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$990,000
Stress test qualifying rate8.09%
Payment you must qualify for$30,451.01

Cash Needed at Closing

Minimum down payment$990,000
Estimated BC PTT$165,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$1,157,000

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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