Property Type: Detached HouseOwnership: Freehold

366 Joyce Lane

Clearwater, BC V0E1N1

$639,900

4 bed3.5 bath2,588 sqftBuilt 1972
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Property Details

Property & Lot

Sub-type
House
Style
Ranch
Stories
2
Lot size
6.45 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,442.08

Interior

Basement
Remodeled Basement
Heating
Forced air
Cooling / A/C
Heat Pump
Fireplace
None
Flooring
Mixed Flooring
Appliances
Refrigerator, Dishwasher, Range, Washer & Dryer

Building

Roof
Asphalt shingle, Unknown
Water source
Well
Parcel ID (PID)
025-045-083

Parking

Features
Carport

Room Dimensions

RoomLevelDimensions
DenMain level9' x 13'
Family roomLower level11' x 20'
BedroomLower level11' x 10'
Full bathroomLower level
BedroomMain level10' x 9'
BedroomMain level10' x 11'
Partial ensuite bathroomMain level
Full bathroomMain level
Primary BedroomMain level13' x 12'
Dining roomMain level10' x 8'
KitchenMain level12' x 9'
Living roomMain level13' x 20'

Listing Information

MLS®
10385841
Listed
May 26, 2026
Time on market
On the market for 97 days
Data last synced
September 1, 2026

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

Description

This well-maintained & thoughtfully updated home offers a great blend of comfort, functionality, & rural charm perched on 6.45 acres. Inside, you’ll find numerous upgrades including vinyl windows, modern flooring, fresh paint, & updated trim. The kitchen has been refreshed with painted cabinetry, new countertops, sink & faucet, while the living room is enhanced by a modern fireplace hearth. The main level features a primary bedroom with an updated 2-piece ensuite, a full guest bathroom, & 2 good sized bedrooms. The walkout basement provides additional living space with 1 bedroom, a new bathroom, & a spacious family room with Rockwool soundproof insulation in the basement ceiling for comfort. Complete with an unfinished area that is newly insulated & drywalled, offering excellent suite potential. Mechanical upgrades include heat pump, updated furnace, 200-amp electrical service & some updated plumbing. Outside, the property continues to impress with a new roof, expansive back deck, & a variety of usable outdoor spaces. Enjoy fruit trees, lawn area, & a fenced garden space with a chicken coop. There is also a fenced paddock area suitable for animals, along with a smaller fenced yard right off the house. Ample parking is available with a carport & additional space for vehicles or equipment. The setting offers privacy with scenic views, making this a great opportunity for those seeking a peaceful lifestyle only 2 minutes to the town centre. Call for a full list of upgrades! (id:63159)

Values & Trends

This listing

$247/sqft

Building average

No other active listings in this building

Clearwater average

$399/sqft

38 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

19°C

Humidity 61%

Wind N 5 km/h

Tonight

Tuesday

26°

Tuesday night

11°

Wednesday

22°

Wednesday night

11°

Thursday

16°

Source: Environment and Climate Change Canada.

Population

2,388

(2021 Census)

+2.8% since 2016

Density: 42.9/km²

Dwellings: 1,145

Median household income: $68,000

After-tax: $62,000

Immigrant population: 6.6%

Top countries of origin (% of total population)

  • United States of America1.7% · 40
  • United Kingdom1.3% · 30
  • Netherlands0.8% · 20

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

15

3/9 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
Clearwater SecondaryElementary523 m
Raft River ElementaryElementary1.5 km
Vavenby ElementaryElementary22.3 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

Restaurants (3)

  • The Old Caboose Restaurant · 260 Park Drive643 m
  • Unnamed643 m
  • Hop 'n' Hog706 m

Cafes (3)

  • The Hungry Hiker Cafe · 485 Eden Road292 m
  • Strawberry Moose · 425 Eden Road602 m
  • Wild Flour bakery café705 m

Banks & ATMs (1)

  • Interior Savings743 m

Nearby places data: © OpenStreetMap contributors.

School district: Kamloops-Thompson (SD73)

Mortgage & Ownership Cost Calculator

Minimum required: 6.1% ($38,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$511,920.00
Periodic payment — Principal & Interest (monthly)$3,302.73
Additional monthly expenses (strata, tax, utilities, etc.)$415.84
Total monthly cost$3,718.57
Interest paid over 5-yr term$146,717.74
Balance at end of term$460,473.70

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$38,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,620.79

Cash Needed at Closing

Minimum down payment$38,990
Estimated BC PTT$10,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,288

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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