Property Type: Land / LotOwnership: Freehold

32 WINDY Way

Stump Lake, BC V0E2A0

$499,900

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Property Details

Property & Lot

Sub-type
Other
Lot size
2.05 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Strata / maintenance fee
$160/mo
Annual property tax
$889.33

Maintenance Fee Includes

WaterGarbage

Also included: Ground Maintenance, Sewer

Interior

Fireplace
None

Listing Information

MLS®
10364801
Listed
October 7, 2025
Time on market
On the market for 328 days
Data last synced
August 28, 2026

Listing provided by: Brendan Shaw Real Estate Ltd. · Data source: CREA DDF.

Description

Lakefront Living at Its Best – 2 Acre Lot on Stump Lake - Discover the perfect setting for your dream lakefront home on this beautiful 2-acre flat lot situated right on the water at scenic Stump Lake, BC. Ideally located between Merritt and Kamloops, this property offers the ideal balance of peaceful rural living with convenient access to nearby amenities. This rare offering is part of a well-managed bareland strata with a low monthly fee of $160, which includes community water (water and electricicity ready to go at the lot), making ownership simple and stress-free. With ample flat land, you’ll have endless options for designing and building your ideal lakefront retreat, whether that’s a year-round residence or a recreational getaway. Enjoy stunning lake views, easy access to the water, and the serenity of nature right outside your door. Stump Lake is known for its quiet beauty, great fishing, and relaxed lifestyle, perfect for those seeking a true escape. The lakeshore is very accessible with low bank frontage. This property is well set up for boats and other toys to hit the lake. (id:63159)

Location Insights

Weather

Nearest station: Kamloops

Partly Cloudy

20°C

Partly Cloudy

Humidity 56%

Wind E 13 km/h

Tonight

13°

Tuesday

28°

Tuesday night

16°

Wednesday

25°

Wednesday night

15°

Thursday

23°

Source: Environment and Climate Change Canada.

Nearby Schools

No schools found within a reasonable distance of this property.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Nicola-Similkameen (SD58)

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Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (strata, tax, utilities, etc.)$234.11
Total monthly cost$2,814.26
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$24,995
Stress test qualifying rate8.09%
Payment you must qualify for$3,651.85

Cash Needed at Closing

Minimum down payment$24,995
Estimated BC PTT$7,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$34,493

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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