Property Type: OtherOwnership: Freehold

3938 46th Street

Canyon, BC V0B1C1

$450,000

3 bed2.5 bath1,140 sqftBuilt 1920
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Property Details

Property & Lot

Sub-type
Other
Stories
1
Lot size
3.24 acres

Ownership & Fees

Property type
Other
Ownership
Freehold
Annual property tax
$950.91

Interior

Heating
Baseboard heaters
Fireplace
None

Room Dimensions

RoomLevelDimensions
BedroomMain level9'9'' x 15'2''
Partial ensuite bathroomMain level
Primary BedroomMain level14'1'' x 11'8''
BedroomMain level10'1'' x 11'1''
Laundry roomMain level5'5'' x 5'4''
Full bathroomMain level
Living roomMain level15'2'' x 17'4''
KitchenMain level11'3'' x 15'2''

Listing Information

MLS®
10390802
Listed
June 29, 2026
Time on market
On the market for 63 days
Data last synced
August 28, 2026

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

Description

Compact cherry orchard with residence at 3938 46th St in the Canyon area. This 3.28-acre parcel is planted in cherries and carries a residence (built 1920), zoned AG1 within the ALR. It is one of seven cherry orchard parcels in Canyon (approximately 68 acres total); the parcels can be combined with others in the group to form a larger operation. A good entry-scale orchard with a home, or an add-on to a larger assembly. Sold ""as is, where is"". Buyer to verify all acreage, zoning, building details, services, and permitted uses. (id:63159)

Values & Trends

This listing

$395/sqft

Building average

No other active listings in this building

Lister average

$919/sqft

5 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: Creston

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.

Nearby Schools

SchoolTypeDistance
Canyon/Lister ElementaryElementary247 m
Erickson ElementaryElementary1.5 km
Kootenay River SecondarySecondary4.1 km
Adam Robertson ElementaryElementary5.1 km
Yaqan Nukiy School(Independent)Elementary5.2 km
Kootenay Valley Christian School(Independent)Elementary/Middle6.4 km
Mormon Hills Elementary Secondary(Independent)Elementary/Middle7.7 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: Kootenay Lake (SD8)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($22,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$360,000.00
Periodic payment — Principal & Interest (monthly)$2,322.60
Additional monthly expenses (strata, tax, utilities, etc.)$136.24
Total monthly cost$2,458.84
Interest paid over 5-yr term$103,177.03
Balance at end of term$323,821.16

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$22,500
Stress test qualifying rate8.09%
Payment you must qualify for$3,287.33

Cash Needed at Closing

Minimum down payment$22,500
Estimated BC PTT$7,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$31,000

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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