Property Type: Detached HouseOwnership: Freehold

3789 Zinck Road

Scotch Creek, BC V0E1M5

$1,399,000

3 bed2 bath6 parking1,863 sqftBuilt 1993
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Lot size
2.32 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,006.54

Interior

Basement
Crawl space
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Laminate

Exterior & Lot

Exterior features
Wood
View
Lake view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
6 — covered indicated
Features
Attached Garage

Restrictions & Policies

Pets
Allowed

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

Room Dimensions

RoomLevelDimensions
FoyerMain level11'5'' x 10'6''
Utility roomLower level34'9'' x 23'8''
Laundry roomMain level8'8'' x 6'1''
4pc BathroomMain level9'3'' x 4'11''
BedroomMain level9'11'' x 12'5''
BedroomMain level10'1'' x 12'5''
Full ensuite bathroomMain level13'10'' x 11'7''
Primary BedroomMain level13'10'' x 12'1''
Family roomMain level17'4'' x 10'10''
Living roomMain level18'11'' x 14'0''
Dining roomMain level13'0'' x 11'3''
KitchenMain level24'8'' x 11'10''

Listing Information

MLS®
10383098
Listed
April 13, 2026
Time on market
On the market for 140 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Access Real Estate · Data source: CREA DDF.

Description

Exceptional 3 bedroom, 2 bathroom rancher on a serene, no-thru street boasting lake access and income potential. Situated on nearly 2.5 acres of meticulously maintained land, this property offers a dream lifestyle. The interior features a cozy fireplace, shutter-style security shades, gourmet kitchen with granite countertops, SS appliances, and a spacious family room with fireplace. The primary suite includes a walk-in closet, soaker tub, and separate shower. Outside, a landscaped yard with fountain, fire pit, and shed creates a peaceful retreat, while the back two acres provide a park-like setting with mature trees. Additional highlights include a double garage, 1056 sq ft quonset with 100 amp service, and seamless indoor-outdoor living. (id:63159)

Values & Trends

This listing

$751/sqft

Building average

No other active listings in this building

North Shuswap average

$482/sqft

73 active listing(s)

Parking: 6 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

Nearest station: Salmon Arm

16°C

Humidity 84%

Wind SSE 5 km/h

Tonight

10°

Tuesday

25°

Tuesday night

14°

Wednesday

23°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Sorrento ElementaryElementary2.4 km
North Shuswap ElementaryElementary/Middle9.1 km
Carlin Elementary MiddleElementary/Middle13.3 km
Haldane ElementaryElementary18.5 km
Chase Elementary-SecondaryElementary18.6 km
Shuswap SDA(Independent)Elementary/Middle23.1 km
North Canoe ElementaryElementary23.6 km
Salmon Arm West ElementaryElementary24.7 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: Okanagan-Shuswap (SD83)

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.)$426.88
Total monthly cost$7,647.58
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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