Property Type: Detached HouseOwnership: Freehold

3966 HWY 3 Highway

Rock Creek, BC V0H1Y0

$520,000

5 bed2 bath1 parking2,576 sqftBuilt 2002
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Property Details

Property & Lot

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

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,572

Interior

Basement
Full
Heating
Heat Pump
Cooling / A/C
Heat Pump
Fireplace
None
Appliances
Refrigerator, Water purifier, Range - Gas, Dishwasher, Dryer, Microwave

Exterior & Lot

Lot features
Balcony

Building

Water source
Well
Parcel ID (PID)
011-266-686

Parking

Total spaces
1 — covered indicated
Features
Detached Garage, Breezeway, RV, Oversize, See Remarks, Heated Garage

Room Dimensions

RoomLevelDimensions
Recreation roomBasement13' x 22'
BedroomBasement10'0'' x 26'0''
Laundry roomBasement10' x 13'
StorageBasement12' x 11'
BedroomBasement12'0'' x 10'0''
BedroomMain level10'0'' x 10'9''
BedroomMain level11'0'' x 10'0''
4pc BathroomMain level
3pc Ensuite bathMain level
Primary BedroomMain level11'9'' x 13'4''
Dining roomMain level9'5'' x 16'0''
Living roomMain level11'7'' x 20'0''
KitchenMain level10'0'' x 11'5''

Listing Information

MLS®
10388784
Listed
May 26, 2026
Time on market
On the market for 97 days
Data last synced
September 1, 2026

Listing provided by: CIR Realty · Data source: CREA DDF.

Description

Perched above the Kettle River with beautiful valley views, this versatile Rock Creek property offers space, functionality, and future potential. Situated on just over 2 acres across 3 separate titles, the property is nearly fully fenced and thoughtfully set up for horses or hobby farming with drinking posts already installed in the paddocks. The spacious home features a practical layout with room for extended family or suite potential. Upstairs offers 3 bedrooms, including a generous primary suite with a jetted tub ensuite and direct access to the balcony. The kitchen is equipped with stainless steel appliances including a gas stove, while the living room showcases impressive vaulted ceilings that enhance the bright, open feel of the home and frame the surrounding views. The walk-out basement is ideally suited for an easy suite conversion, featuring 2 additional bedrooms, a large family/living area, full bathroom, and abundant storage space. A breezeway connects the home to the heated shop with bay door access and natural gas heat — perfect for projects, storage, or workspace needs year-round. There is also a large storage/garden shed providing even more flexibility for tools, equipment, or hobby use. Enjoy peaceful rural living just minutes from Rock Creek amenities, with easy access to the Kettle River, recreation, and Highway 3. (id:63159)

Values & Trends

This listing

$202/sqft

Building average

No other active listings in this building

Rock Crk. & Area average

$737/sqft

16 active listing(s)

Parking: 1 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

23°C

Humidity 43%

Wind S 7 km/h

Tonight

Tuesday

26°

Tuesday night

12°

Wednesday

17°

Wednesday night

11°

Thursday

14°

Source: Environment and Climate Change Canada.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

1/9 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
West Boundary ElementaryElementary592 m
Boundary Central SecondarySecondary16.2 km
Greenwood ElementaryElementary23.0 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

Banks & ATMs (1)

  • Cascadia Credit Union · 3990 Highway 370 m

Nearby places data: © OpenStreetMap contributors.

School district: Boundary (SD51)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.2% ($27,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$416,000.00
Periodic payment — Principal & Interest (monthly)$2,683.89
Additional monthly expenses (strata, tax, utilities, etc.)$426.67
Total monthly cost$3,110.56
Interest paid over 5-yr term$119,226.80
Balance at end of term$374,193.35

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$27,000
Stress test qualifying rate8.09%
Payment you must qualify for$3,791.00

Cash Needed at Closing

Minimum down payment$27,000
Estimated BC PTT$8,400
Legal / closing costs (typical estimate)$1,500
Total cash needed$36,900

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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