Property Type: Detached HouseOwnership: Freehold

2020 Sinmax Creek Road Unit# N3

Adams Lake, BC V0E2E0

$599,000

3 bed2 bath3 parking1,100 sqftBuilt 1992
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.13 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$1,034.1

Interior

Heating
Baseboard heaters
Fireplace
None
Flooring
Mixed Flooring

Exterior & Lot

Exterior features
Wood siding, Cedar Siding

Building

Roof
Metal, Unknown

Parking

Total spaces
3 — covered indicated
Features
Attached Garage, Additional Parking

Room Dimensions

RoomLevelDimensions
WorkshopMain level10' x 9'
Laundry roomMain level2'8'' x 6'
FoyerMain level7'8'' x 10'
Dining roomMain level7'6'' x 10'8''
3pc BathroomMain level
BedroomMain level9'4'' x 8'6''
BedroomMain level9'7'' x 10'
4pc BathroomMain level
Primary BedroomMain level9' x 12'
Living roomMain level15' x 19'6''
KitchenMain level10' x 10'8''

Listing Information

MLS®
10390511
Listed
June 10, 2026
Time on market
On the market for 82 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Westwin (Barriere) · Data source: CREA DDF.

Description

Live the life you want! Although the current use is seasonal recreation, this comfortable cottage by the lake is suitable for year-round living. Part of the gated Agate Bay Resort community, you truly can have the best of both worlds. Situated next to Sinmax Creek at the head of Adams Lake, this amazing lake is just a few steps away. Have a boat? Perfect, slip B33 awaits. The home is nestled next to the creek, with privacy afforded by the water and surrounding vegetation. The home boasts 3 beds, 2 baths, a living room that opens onto a 26' x 10'6 covered deck via a patio door, and a generous kitchen and dining area, completing the living space. An attached 18 x 24 garage is perfect for storage, and convenient parking with 9' drive-through doors front and back. Upgrades to the home feature flooring, bath fixtures, and PEX plumbing. Outside, a level, fenced yard complete with an inviting fire pit next to the creek, landscaping, fruit trees, and the covered deck for cooler, damper days. Additional parking is available for boats/trailers. This is truly a 4-season playground with trails; the lake and Sun Peaks Ski Hill (offering 4-season events) are a short distance away. Amenities are accessible in the Shuswap area, Barriere, or Kamloops. See it for yourself. (id:63159)

Values & Trends

This listing

$545/sqft

Building average

No other active listings in this building

Adams Lake average

$441/sqft

9 active listing(s)

Parking: 3 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: Salmon Arm

16°C

Humidity 84%

Wind SSE 5 km/h

Tonight

10°

Tuesday

25°

Tuesday night

14°

Wednesday

23°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Sun Peaks SchoolElementary/Middle22.1 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: Kamloops-Thompson (SD73)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.8% ($34,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$479,200.00
Periodic payment — Principal & Interest (monthly)$3,091.64
Additional monthly expenses (strata, tax, utilities, etc.)$141.18
Total monthly cost$3,232.81
Interest paid over 5-yr term$137,340.10
Balance at end of term$431,041.95

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,337.73

Cash Needed at Closing

Minimum down payment$34,900
Estimated BC PTT$9,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,380

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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