Property Type: Detached HouseOwnership: Freehold

3650 PHILLIPS Road

Creston, BC V0B1G2

$750,000

4 bed3.5 bath2,534 sqftBuilt 1989
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
6.05 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,142.54

Interior

Basement
Crawl space
Heating
Baseboard heaters, Stove, Electric, See remarks, Wood
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Hardwood, Ceramic Tile

Exterior & Lot

Exterior features
Vinyl siding
View
Valley view

Building

Roof
Asphalt shingle, Unknown

Parking

Features
See Remarks

Room Dimensions

RoomLevelDimensions
KitchenMain level11'3'' x 9'8''
OtherSecond level3'4'' x 13'1''
Full ensuite bathroomSecond level
Full bathroomSecond level
OtherSecond level3'5'' x 5'8''
OtherSecond level6' x 4'8''
BedroomSecond level18'11'' x 9'10''
BedroomSecond level9'8'' x 17'7''
BedroomSecond level9'8'' x 18'2''
OtherSecond level6' x 11'
Primary BedroomSecond level15'8'' x 11'11''
Partial bathroomMain level
OtherMain level11'2'' x 10'9''
OtherMain level6'2'' x 6'2''
OtherMain level3'11'' x 20'6''
Wine CellarMain level6'8'' x 7'6''
OtherMain level6'8'' x 5'4''
Dining roomMain level13'1'' x 11'6''
Living roomMain level13'1'' x 23'7''
Living roomMain level15'5'' x 15'1''

Listing Information

MLS®
10393317
Listed
July 1, 2026
Time on market
On the market for 61 days
Data last synced
August 28, 2026

Listing provided by: Real Broker B.C. Ltd · Data source: CREA DDF.

Description

Set on 6.05 usable acres, this thoughtfully designed property offers a rare combination of efficiency, space, and versatility. Built using advanced Thermal Break Technology, the home and shop maintain stable interior temperatures year-round, significantly reducing energy consumption while remaining comfortable in all seasons. The property is served by a private well, supporting both residential use and land-based living. The over 3,000 sq ft insulated shop is a standout feature, offering 200-amp service, mezzanine storage, and a fixed jib crane, making it well suited for trades, fabrication, or a home-based business. R2 zoning supports a second dwelling and home-based enterprise, providing flexibility for future expansion or multi-use living. The land is functional and well developed, featuring a fenced orchard, tiered garden beds, and a dual-chamber root cellar for storage. Extensive updates include a newer roof, windows, doors, flooring, concrete countertops, rockwork, pantry and primary bedroom bay additions, expanded shop loft, garden shed, and landscaped terraces. Inside, oversized rooms offer adaptable living space, while the eight-piece ensuite with sauna and soaker tub provides a private retreat. Multiple decks overlook gardens, forest, and surrounding hills. A distinctive acreage offering for those who value efficiency, craftsmanship, and long-term flexibility, all within minutes of town. (id:63159)

Values & Trends

This listing

$296/sqft

Building average

No other active listings in this building

Lister average

$301/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

17°C

Humidity 57%

Wind NW 10 km/h

Tonight

12°

Tuesday

28°

Tuesday night

14°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Population

5,583

(2021 Census)

+4.1% since 2016

Density: 663.9/km²

Dwellings: 2,810

Median household income: $58,800

After-tax: $54,400

Immigrant population: 11.8%

Top countries of origin (% of total population)

  • United Kingdom2.2% · 125
  • United States of America1.8% · 100
  • Germany1.1% · 60
  • Netherlands0.7% · 40
  • China0.6% · 35
  • Hungary0.4% · 20
  • Poland0.4% · 20
  • Mexico0.3% · 15

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Yaqan Nukiy School(Independent)Elementary2.2 km
Canyon/Lister ElementaryElementary3.1 km
Erickson ElementaryElementary3.1 km
Kootenay River SecondarySecondary3.5 km
Adam Robertson ElementaryElementary4.5 km
Kootenay Valley Christian School(Independent)Elementary/Middle5.8 km
Mormon Hills Elementary Secondary(Independent)Elementary/Middle6.8 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: 6.7% ($50,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$600,000.00
Periodic payment — Principal & Interest (monthly)$3,871.00
Additional monthly expenses (strata, tax, utilities, etc.)$555.55
Total monthly cost$4,426.54
Interest paid over 5-yr term$171,961.72
Balance at end of term$539,701.94

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$50,000
Stress test qualifying rate8.09%
Payment you must qualify for$5,382.75

Cash Needed at Closing

Minimum down payment$50,000
Estimated BC PTT$13,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$64,500

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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