Property Type: Detached HouseOwnership: Freehold

3140 3A Highway

Nelson, BC V1L6M7

$1,995,000

3 bed2 bath1 parking2,753 sqftBuilt 1999
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Property Details

Property & Lot

Sub-type
House
Stories
2.5
Lot size
2.15 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$10,362

Interior

Basement
Full
Heating
Other
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Concrete, Carpeted

Exterior & Lot

Exterior features
Wood
View
Lake view, Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
1 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
StorageLower level30'2'' x 13'2''
BedroomLower level19'4'' x 13'7''
Full bathroomSecond level6'4'' x 7'1''
LoftSecond level10'5'' x 17'0''
BedroomSecond level10'4'' x 16'6''
DenSecond level14'2'' x 12'9''
4pc Ensuite bathMain level7'7'' x 13'6''
Primary BedroomMain level14'5'' x 16'11''
KitchenMain level17'1'' x 16'2''
Family roomMain level13'9'' x 15'1''
Living roomMain level22'10'' x 13'7''
FoyerMain level6'8'' x 7'9''

Listing Information

MLS®
10380915
Listed
March 31, 2026
Time on market
On the market for 153 days
Data last synced
August 28, 2026

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

Description

Set on the shores of Kootenay Lake, just a short drive from Nelson, BC, this impressive custom Toad Mountain home offers approximately 300 feet of beachfront, beautiful lake and mountain views, and thoughtfully designed living spaces. Built as a post-and-beam log home, it combines warmth, quality, and functional indoor-outdoor living. The property features multiple decks, patios, a landscaped yard, fire pit, beach, and a deep-water dock for easy access to the lake. The main floor offers an open layout with large windows to enjoy the views, a spacious living room, a freestanding gas fireplace with a beautiful custom rock and brick chimney, a gorgeous custom kitchen with granite countertops, and high-end stainless steel appliances including a Wolf stove and Sub-Zero fridge, plus additional sitting and dining areas. The primary bedroom enjoys lake views and glass doors leading to a private deck with a hot tub overlooking the lake and surrounding mountains. Heated concrete floors, good storage, a single attached garage, and evident pride of ownership add to the home’s appeal. Located close to hiking, biking, Whitewater Ski Resort, and backcountry terrain, this property also includes nearly 2 acres of vacant land above the highway. (id:63159)

Values & Trends

This listing

$725/sqft

Building average

No other active listings in this building

North Nelson to Kokanee Creek average

$615/sqft

14 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

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.

Population

11,106

(2021 Census)

+5.1% since 2016

Density: 930.9/km²

Dwellings: 5,314

Median household income: $72,500

After-tax: $65,500

Immigrant population: 15.1%

Top countries of origin (% of total population)

  • United States of America3.5% · 390
  • United Kingdom3.3% · 365
  • Philippines0.8% · 85
  • Germany0.6% · 65
  • Italy0.6% · 65
  • India0.5% · 55
  • Netherlands0.4% · 40
  • South Africa, Republic of0.3% · 35

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

4

1/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
des Sentiers-alpinsElementary/Middle1.5 km
Nelson Christian Community School(Independent)Elementary/Middle9.6 km
L V Rogers SecondarySecondary10.1 km
Secondaire de NelsonSecondary10.1 km
Hume Elementary SchoolElementary10.4 km
South Nelson ElementaryElementary11.8 km
Trafalgar Middle SchoolMiddle11.9 km
St Joseph School(Independent)Elementary/Middle11.9 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.

Nearby Places

Parks (1)

  • McDonalds Landing Regional Park · 3014 Highway 3A650 m

Nearby places data: © OpenStreetMap contributors.

School district: Kootenay Lake (SD8)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($399,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,596,000.00
Periodic payment — Principal & Interest (monthly)$10,296.85
Additional monthly expenses (strata, tax, utilities, etc.)$1,001.50
Total monthly cost$11,298.35
Interest paid over 5-yr term$457,418.19
Balance at end of term$1,435,607.16

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$399,000
Stress test qualifying rate8.09%
Payment you must qualify for$12,272.68

Cash Needed at Closing

Minimum down payment$399,000
Estimated BC PTT$37,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$438,400

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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