Property Type: Detached HouseOwnership: Freehold

3553 SPRAGUE Street

Ainsworth, BC V0G1A0

$419,000

2 bed2.5 bath1,226 sqftBuilt 1901
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.11 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$1,599.18

Interior

Basement
Crawl space
Heating
Heat Pump, Stove, Wood
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Vinyl

Exterior & Lot

Exterior features
Other
View
Lake view, Mountain view, View (panoramic)

Building

Roof
Metal, Unknown

Parking

Features
Carport

Room Dimensions

RoomLevelDimensions
BedroomSecond level10'8'' x 10'11''
Primary BedroomSecond level10'8'' x 9'11''
Laundry roomMain level4' x 11'2''
2pc BathroomSecond level
4pc BathroomMain level7'9'' x 9'10''
Living roomMain level11'9'' x 10'3''
Dining roomMain level17'0'' x 13'0''
KitchenMain level13'6'' x 9'10''

Listing Information

MLS®
10377564
Listed
March 2, 2026
Time on market
On the market for 182 days
Data last synced
August 28, 2026

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

Description

The home sits on a 50 x 100 foot lot in Ainsworth Hot Springs. There are two bedrooms upstairs, serviced by a half bath, and a full bathroom downstairs with a shower. The home also features a kitchen with a pantry, a laundry room, and a spacious living room. There is a certified wood stove in the living area, and the home is heated and cooled by a heat pump that was installed three years ago. The kitchen cabinets and appliances are four years old, and all windows are double-pane. There is no basement, only a four-foot crawl space. Extensive work was completed on the foundation last year. A new certified septic system was installed last year and approved through Interior Health. The metal-roofed carport provides parking for two vehicles. (id:63159)

Values & Trends

This listing

$342/sqft

Building average

No other active listings in this building

Balfour to Kaslo West average

$634/sqft

6 active listing(s)

Parking: Not indicatedStorage 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

16°C

Humidity 68%

Wind NE 2 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

19

2/9 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
Crawford Bay Elem-SecondaryK-128.5 km
Redfish Elementary SchoolElementary16.6 km
J V Humphries Elem-SecondaryK-1219.8 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.

Nearby Places

Cafes (1)

  • Unnamed250 m

Parks (1)

  • Historic Ainsworth Wharf Regional Park · 3552 Water Street133 m

Nearby places data: © OpenStreetMap contributors.

School district: Kootenay Lake (SD8)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($20,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$335,200.00
Periodic payment — Principal & Interest (monthly)$2,162.60
Additional monthly expenses (strata, tax, utilities, etc.)$194.27
Total monthly cost$2,356.86
Interest paid over 5-yr term$96,069.28
Balance at end of term$301,513.48

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$20,950
Stress test qualifying rate8.09%
Payment you must qualify for$3,060.87

Cash Needed at Closing

Minimum down payment$20,950
Estimated BC PTT$6,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,830

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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