Property Type: Detached HouseOwnership: Freehold

3915 Express Point Road

Scotch Creek, BC V0E1M5

$799,000

2 bed2 bath8 parking1,881 sqftBuilt 1999
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
1.01 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,141.85

Interior

Basement
Crawl space
Heating
Stove, Forced air, Electric, Wood
Cooling / A/C
Window air conditioner
Fireplace
Yes (1)
Fireplace type
Free Standing Metal
Flooring
Hardwood, Linoleum, Vinyl

Exterior & Lot

Exterior features
Vinyl siding
View
Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
8 — covered indicated
Features
Attached Garage, Detached Garage, RV, See Remarks

Room Dimensions

RoomLevelDimensions
Dining nookMain level11' x 10'3''
FoyerMain level6'4'' x 8'
4pc BathroomMain level4'11'' x 10'6''
BedroomMain level10'3'' x 14'
4pc Ensuite bathMain level5'11'' x 10'5''
Primary BedroomMain level15'1'' x 20'1''
Laundry roomMain level6'4'' x 15'
Family roomMain level14'1'' x 15'1''
KitchenMain level11' x 18'2''
Dining roomMain level11'5'' x 14'1''
Living roomMain level14'1'' x 15'2''

Listing Information

MLS®
10393443
Listed
July 2, 2026
Time on market
On the market for 60 days
Data last synced
August 28, 2026

Listing provided by: Century 21 Lakeside Realty Ltd. · Data source: CREA DDF.

Description

Discover the perfect blend of comfort, space, and convenience with this inviting 2-bedroom, 2-bathroom home on a beautiful 1-acre property in the heart of Scotch Creek. Just a short walk to the public beach, you'll enjoy the best of Shuswap living with room to relax, garden, and entertain. Inside, the home features warm hardwood flooring, a cozy family room with a wood stove, and an extra-large primary bedroom complete with a walk-in closet and private ensuite. The functional layout offers comfortable living spaces filled with natural light, making it an ideal year-round residence or weekend getaway. Outside, the expansive front and back yards provide endless opportunities for gardening, recreation, or simply enjoying the peaceful surroundings. The property also includes both an attached garage and a detached garage, offering plenty of space for vehicles, toys, hobbies, or additional storage. Conveniently located close to all the amenities Scotch Creek has to offer, including Scotch Creek Market, Pharmachoice Drug Store, The Social District, Raven Coffee Shop, Captain's Village Marina, and Shuswap Lake Provincial Park, this property combines the tranquility of country living with the convenience of nearby services. Whether you're looking for a full-time home, a vacation retreat, or a property with room to grow, this Scotch Creek gem is ready to welcome you home. (id:63159)

Values & Trends

This listing

$425/sqft

Building average

No other active listings in this building

North Shuswap average

$486/sqft

73 active listing(s)

Parking: 8 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 ElementaryElementary3.1 km
North Shuswap ElementaryElementary/Middle8.4 km
Carlin Elementary MiddleElementary/Middle13.1 km
Haldane ElementaryElementary19.3 km
Chase Elementary-SecondaryElementary19.4 km
Shuswap SDA(Independent)Elementary/Middle23.0 km
North Canoe ElementaryElementary23.5 km
Salmon Arm West ElementaryElementary24.9 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: 6.9% ($54,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$639,200.00
Periodic payment — Principal & Interest (monthly)$4,123.90
Additional monthly expenses (strata, tax, utilities, etc.)$355.82
Total monthly cost$4,479.72
Interest paid over 5-yr term$183,196.56
Balance at end of term$574,962.47

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$54,900
Stress test qualifying rate8.09%
Payment you must qualify for$5,721.87

Cash Needed at Closing

Minimum down payment$54,900
Estimated BC PTT$13,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$70,380

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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