Property Type: TownhouseOwnership: Strata

3950 Express Point Road Unit# 13

Scotch Creek, BC V0E1M5

$899,900

4 bed3 bath4 parking1,947 sqftBuilt 2007
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Property Details

Property & Lot

Sub-type
Row / Townhouse
Stories
2

Ownership & Fees

Property type
Townhouse
Ownership
Strata
Strata / maintenance fee
$447/mo
Annual property tax
$4,230.96

Interior

Basement
Crawl space
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Hardwood

Exterior & Lot

Exterior features
Other
View
Lake view, Mountain view
Waterfront
Waterfront on lake

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
4pc BathroomSecond level11'2'' x 5'1''
BedroomSecond level9'11'' x 10'6''
BedroomSecond level15'2'' x 12'10''
4pc Ensuite bathSecond level11'2'' x 8'0''
Primary BedroomSecond level13'5'' x 20'6''
Utility roomMain level3'5'' x 9'6''
Laundry roomMain level6'9'' x 7'3''
FoyerMain level14'5'' x 8'9''
BedroomMain level9'10'' x 7'10''
3pc BathroomMain level8'0'' x 4'11''
Dining roomMain level11'8'' x 9'1''
Living roomMain level13'10'' x 12'11''
KitchenMain level16'3'' x 8'7''

Listing Information

MLS®
10391376
Listed
June 15, 2026
Time on market
On the market for 77 days
Data last synced
August 28, 2026

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

Description

ELEVATED LAKESIDE LIVING! This luxurious waterfront townhome overlooks the sparkling waters of Shuswap Lake in sunny Scotch Creek. Thoughtfully designed to embrace its exceptional setting, this 4-bed, 3-bath residence offers an effortless blend of comfort, elegance, and recreation. The bright and airy main floor welcomes you with soaring ceilings, expansive windows, and an open-concept layout designed for gathering and entertaining. At the heart of the home, the gourmet kitchen features granite countertops and gas stove, and flows seamlessly into the dining and living areas - where a fireplace with beautiful surround anchors the living room, and direct access through French doors to the patio and outdoor dining area creates a seamless indoor-outdoor lifestyle. Upstairs, the primary retreat offers a private covered balcony with breathtaking lake and mountain views, walk-in closet, and a spa-inspired ensuite designed for relaxation. Three more well-proportioned bedrooms and two more bathrooms provide ample space for family and visitors alike. Situated within a private gated community with meticulously maintained grounds and mature landscaping, this exceptional property places the very best of the Shuswap at your doorstep. Spend your days boating, hiking, swimming, or simply soaking up the sun, all while being just moments from Scotch Creek's shops, restaurants, and amenities. Discover waterfront living at its finest! Furniture included. Enjoy the virtual tour and video. (id:63159)

Values & Trends

This listing

$462/sqft

Building average

No other active listings in this building

North Shuswap average

$470/sqft

6 active listing(s)

Parking: 4 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/Middle8.3 km
Carlin Elementary MiddleElementary/Middle12.9 km
Haldane ElementaryElementary19.3 km
Chase Elementary-SecondaryElementary19.4 km
Shuswap SDA(Independent)Elementary/Middle22.8 km
North Canoe ElementaryElementary23.3 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: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (strata, tax, utilities, etc.)$896.83
Total monthly cost$5,541.51
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,420.17

Cash Needed at Closing

Minimum down payment$64,990
Estimated BC PTT$15,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,488

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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