Property Type: Condo / ApartmentOwnership: Strata

17222 Pilot Bay Road

Kootenay Bay, BC V0B1E0

$1,175,000

4 bed3 bath1 parking2,500 sqftBuilt 2003
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Lot size
1.13 acres

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Annual property tax
$2,942

Interior

Heating
Baseboard heaters, Stove, Wood
Fireplace
Yes (1)
Fireplace type
Insert
Flooring
Concrete, Hardwood, Ceramic Tile

Exterior & Lot

Exterior features
Wood siding
View
Lake view, Mountain view
Waterfront
Waterfront on lake

Building

Roof
Asphalt shingle, Unknown, Unknown

Parking

Total spaces
1 — covered indicated
Features
Detached Garage, Other, RV

Room Dimensions

RoomLevelDimensions
3pc Ensuite bathSecond level
BedroomSecond level11'9'' x 14'7''
4pc Ensuite bathLower level
StorageLower level10'6'' x 16'
Laundry roomLower level5'5'' x 6'6''
BedroomLower level18' x 14'6''
Primary BedroomLower level14'4'' x 19'6''
BedroomMain level10'3'' x 11'1''
3pc BathroomMain level
Dining roomMain level12'6'' x 19'7''
Living roomMain level17'11'' x 36'10''
KitchenMain level11'11'' x 14'5''

Listing Information

MLS®
10381328
Listed
April 1, 2026
Time on market
On the market for 152 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Rosling Realty · Data source: CREA DDF.

Description

Discover a rare opportunity to enjoy Kootenay Lake waterfront living at 17222 Pilot Bay Rd, in one of the most sought-after locations on the lake. This exceptional property is set within a share-ownership structure encompassing approximately 70 acres. This offering includes the exclusive use of a surveyed 1+ acre parcel featuring the residence, garage/casita, and approximately 240 feet of shoreline. All of that while having the water access just out your front door and being 200+ meters from the nearest public road out the back door. Owners also benefit from nearly 40 acres of common land that enhances privacy and offers room to explore the natural surroundings without leaving the property. The 2,500 sq. ft. home is arranged over 3 levels, including a loft, and offers 4 bedrooms and 3 full bathrooms, providing plenty of space for family and guests. Vaulted ceilings and western exposure bring natural light into the main living area, which opens to an expansive deck overlooking the lake. A rear patio and outdoor kitchen create ideal spaces for summer relaxation and entertaining. At the shoreline, enjoy direct lake access, covered boat storage, and a rail system for convenient launching. The detached garage is great for toy storage and also houses a studio suite with all the amenities to host family or friends in their own space. Whether as a retreat or gathering place, this unique waterfront package delivers privacy, recreation, and an outstanding lakefront setting. (id:63159)

Values & Trends

This listing

$470/sqft

Building average

No other active listings in this building

Crawford Bay / Riondel average

$301/sqft

3 active listing(s)

Parking: 1 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

Nearest station: Nelson

16°C

Humidity 65%

Wind E 4 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-124.6 km
Redfish Elementary SchoolElementary13.1 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: Kootenay Lake (SD8)

Similar Listings Nearby

Similar active properties nearby based on property type, price, and size.

Mortgage & Ownership Cost Calculator

Minimum required: 7.9% ($92,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$940,000.00
Periodic payment — Principal & Interest (monthly)$6,064.56
Additional monthly expenses (strata, tax, utilities, etc.)$370.17
Total monthly cost$6,434.73
Interest paid over 5-yr term$269,406.70
Balance at end of term$845,533.04

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$92,500
Stress test qualifying rate8.09%
Payment you must qualify for$8,324.05

Cash Needed at Closing

Minimum down payment$92,500
Estimated BC PTT$21,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$115,500

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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