Property Type: Detached HouseOwnership: Freehold

285 Kootenay Lake Road

Procter, BC V1L0B6

$1,999,999

3 bed4 full, 2 half bath3 parking2,151 sqftBuilt 2009
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.43 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$160/mo
Annual property tax
$6,109.25

Interior

Basement
Full
Heating
In Floor Heating, Electric, See remarks
Fireplace
Yes (2)
Fireplace type
Propane, Unknown
Flooring
Tile, Hardwood

Exterior & Lot

Exterior features
Wood, Stucco
View
Lake view, Mountain view, View of water

Building

Roof
Tar & gravel, Unknown

Parking

Total spaces
3 — uncovered indicated
Features
Covered, Street

Room Dimensions

RoomLevelDimensions
OtherLower level4'10'' x 4'7''
Laundry roomLower level6'8'' x 7'9''
Full bathroomLower level
Utility roomLower level6'6'' x 10'8''
BedroomLower level11'2'' x 9'9''
BedroomLower level10'11'' x 10'10''
Family roomLower level11'11'' x 14'9''
Partial bathroomLower level
OfficeMain level4'9'' x 8'7''
OtherMain level5'9'' x 7'7''
5pc Ensuite bathMain level
Primary BedroomMain level10'2'' x 12'9''
Living roomMain level10'5'' x 12'1''
Dining roomMain level10'3'' x 10'6''
PantryMain level3'5'' x 4'10''
KitchenMain level8'9'' x 13'4''
Partial bathroomMain level
FoyerMain level4'8'' x 7'2''

Listing Information

MLS®
10386269
Listed
May 8, 2026
Time on market
On the market for 115 days
Data last synced
August 28, 2026

Listing provided by: Fair Realty (Nelson) · Data source: CREA DDF.

Description

Welcome to this one-of-a-kind waterfront haven, where luxury meets nature. This stunning 3-bedroom, 4-bathroom custom-built home offers an unparalleled lakeside lifestyle, surrounded by lush forest and crystal clear waters. Thoughtfully designed with exquisite timber accents, a striking custom front door and a thoughtful layout that perfectly balances style and functionality, this home is a masterpiece of craftsmanship designed by David Dobie. Inside, a gourmet kitchen awaits complete with a coffee nook, two cozy fireplaces, a Japanese soaker tub and expansive windows that frame breathtaking lake views. The main living space flows seamlessly into a welcoming family room, providing a warm and inviting setting for gatherings or quiet relaxation. Outdoor living is as exceptional, featuring a spacious kitchen patio, an outdoor kitchen on the lower level and a tranquil yoga deck. The property features a double carport that offers covered parking and comes equipped with a backup generator. Enjoy lakeside adventures with a 2-slip boat house featuring a rooftop patio, ideal for sunset gatherings. This property is not just a home, it’s a lifestyle. For those seeking more adventure, inquire about the optional boat package and or furniture package, allowing you to fully embrace lake life and make this property truly turn-key. Don’t miss this rare opportunity to own a slice of waterfront paradise. Contact your agent to arrange your private showing today. See Video link! (id:63159)

Values & Trends

This listing

$930/sqft

Building average

No other active listings in this building

Harrop/Procter average

$719/sqft

12 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: Nelson

13°C

Humidity 80%

Wind ESE 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
Redfish Elementary SchoolElementary8.3 km
Crawford Bay Elem-SecondaryK-129.8 km
des Sentiers-alpinsElementary/Middle21.8 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)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($400,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,599,999.00
Periodic payment — Principal & Interest (monthly)$10,322.65
Additional monthly expenses (strata, tax, utilities, etc.)$777.10
Total monthly cost$11,099.75
Interest paid over 5-yr term$458,564.31
Balance at end of term$1,439,204.28

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$400,000
Stress test qualifying rate8.09%
Payment you must qualify for$12,303.43

Cash Needed at Closing

Minimum down payment$400,000
Estimated BC PTT$38,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$439,500

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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