Property Type: Detached HouseOwnership: Freehold

3197 Shuswap Road

Kamloops, BC V2H1T1

$1,399,000

2 bed2 bath3 parking2,833 sqftBuilt 1993
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
2 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,994

Interior

Heating
See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Vinyl

Exterior & Lot

Exterior features
Vinyl siding
View
Mountain view, River view, View of water

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — covered indicated
Features
Detached Garage, RV, Oversize, See Remarks, Heated Garage, Additional Parking

Restrictions & Policies

Pets
Allowed, Allowed with restrictions

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
OtherSecondary Dwelling Unit5'2'' x 5'8''
Primary BedroomSecondary Dwelling Unit14'11'' x 11'7''
BedroomSecondary Dwelling Unit9'1'' x 12'2''
BedroomSecondary Dwelling Unit9'2'' x 9'7''
Living roomSecondary Dwelling Unit14'11'' x 14'1''
Dining roomSecondary Dwelling Unit5'9'' x 11'7''
KitchenSecondary Dwelling Unit9'3'' x 11'7''
OtherSecond level11'5'' x 9'4''
Full bathroomSecondary Dwelling Unit
Full bathroomSecondary Dwelling Unit
4pc Ensuite bathMain level
3pc BathroomMain level
OtherMain level8'1'' x 5'6''
Primary BedroomMain level19'9'' x 12'11''
OtherMain level16'7'' x 7'5''
BedroomMain level11'1'' x 15'3''
Living roomMain level13'10'' x 17'2''
Dining roomMain level7' x 12'
KitchenMain level12'10'' x 11'9''
FoyerMain level16'9'' x 7'2''

Listing Information

MLS®
10396839
Listed
August 5, 2026
Time on market
On the market for 26 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty (Kamloops) · Data source: CREA DDF.

Description

Two homes, two shops, 2 acres, and South Thompson River views. This impressive property offers space, versatility, and an exceptional setting. The 1,611 sq ft updated rancher ""main house"" welcomes you with a bright living room filled with natural light and anchored by a gas fireplace. The kitchen is a standout, finished with arborite countertops, white cabinetry, and attractive appliances, creating a clean, functional space for everyday living and entertaining. The home offers 2 bedrooms & 2 bathrooms, including a beautifully renovated main bath, while the second bedroom features a built-in Murphy bed with custom storage. A spacious mudroom and a bonus rm with space for office provide practical access to the expansive back patio. Steps away, the 1,000 sq ft heated main shop is a true highlight, complete with gas furnace, hoist, 100-amp service, and a 362 sq ft built-in sea can offering extra storage or workspace. The backyard is designed for entertaining with a large patio, garden boxes, & a gazebo-covered saltwater Arctic Spa hot tub. Ideal for intergenerational living, the 2018 manufactured home offers 1,222 sq ft with 3 bedrooms, 2 full bathrooms, its own detached shop, separate hydro meter, and central A/C. This secondary dwelling is designated for family or caretaker use and is not permitted as a rental property. Flat usable yard space, ample parking, separate septic systems, and an upper tier offering future versatility complete this outstanding South Thompson offering. (id:63159)

Values & Trends

This listing

$494/sqft

Building average

No other active listings in this building

South Thompson Valley average

$435/sqft

17 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

Partly Cloudy

18°C

Partly Cloudy

Humidity 63%

Wind E 16 km/h

Tonight

13°

Tuesday

28°

Tuesday night

16°

Wednesday

25°

Wednesday night

15°

Thursday

23°

Source: Environment and Climate Change Canada.

Population

97,902

(2021 Census)

+8.4% since 2016

Density: 328.6/km²

Dwellings: 41,619

Median household income: $88,000

After-tax: $78,000

Immigrant population: 9.9%

Top countries of origin (% of total population)

  • United Kingdom1.5% · 1,425
  • India1.3% · 1,240
  • United States of America0.8% · 790
  • Philippines0.8% · 750
  • Germany0.6% · 555
  • Italy0.5% · 535
  • China0.3% · 320
  • South Africa, Republic of0.3% · 250

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Pinantan ElementaryElementary7.5 km
Robert L Clemitson ElementaryElementary9.2 km
Dallas ElementaryElementary9.6 km
Juniper Ridge ElementaryElementary14.7 km
Marion Schilling ElementaryElementary15.6 km
Valleyview SecondarySecondary16.9 km
Ralph Bell Elementary SchoolElementary17.8 km
Sk'elep School of Excellence(Independent)Elementary18.7 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)

Mortgage & Ownership Cost Calculator

Minimum required: 8.2% ($114,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,119,200.00
Periodic payment — Principal & Interest (monthly)$7,220.70
Additional monthly expenses (strata, tax, utilities, etc.)$558.17
Total monthly cost$7,778.87
Interest paid over 5-yr term$320,765.94
Balance at end of term$1,006,724.02

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$114,900
Stress test qualifying rate8.09%
Payment you must qualify for$9,874.28

Cash Needed at Closing

Minimum down payment$114,900
Estimated BC PTT$25,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$142,380

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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