Property Type: Land / LotOwnership: Freehold

4020 Kays Road

Nelson, BC V1L6X6

$319,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
3.92 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$1,411

Interior

Fireplace
None

Exterior & Lot

View
Mountain view, Valley view

Listing Information

MLS®
10384897
Listed
May 1, 2026
Time on market
On the market for 122 days
Data last synced
August 28, 2026

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

Description

Embrace nature with this stunning 3.92-acre property just 15 minutes from Nelson! Surrounded by breathtaking mountain views, this land offers multiple cleared building locations, providing the perfect canvas for your dream home or retreat. The lush trees create a serene, private atmosphere, while the rich, fertile soil and ideal sun exposure make it perfect for gardening and growing your own oasis. A water well is already in place, and a brand new electrical service, installed by Nelson Hydro, runs to the center of the property. With gentle, well-draining slopes and easy access, this is the perfect spot to build your ideal sanctuary. The property is unzoned and not in the ALR. Mobile homes, trailers, or recreational vehicles used as dwellings are not permitted as per the building scheme however, the building scheme doesn't explicitly cap the number of dwellings per lot. Don’t miss out on the opportunity to create your own slice of paradise! (id:63159)

Location Insights

Weather

16°C

Humidity 65%

Wind E 4 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Population

11,106

(2021 Census)

+5.1% since 2016

Density: 930.9/km²

Dwellings: 5,314

Median household income: $72,500

After-tax: $65,500

Immigrant population: 15.1%

Top countries of origin (% of total population)

  • United States of America3.5% · 390
  • United Kingdom3.3% · 365
  • Philippines0.8% · 85
  • Germany0.6% · 65
  • Italy0.6% · 65
  • India0.5% · 55
  • Netherlands0.4% · 40
  • South Africa, Republic of0.3% · 35

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Blewett Elementary SchoolElementary4.5 km
Nelson Waldorf School(Independent)Elementary/Middle5.3 km
Mount Sentinel SecondaryK-128.8 km
Rosemont Elementary SchoolElementary8.9 km
Brent Kennedy ElementaryElementary9.4 km
ReachSecondary9.6 km
WildflowerElementary/Middle9.6 km
St Joseph School(Independent)Elementary/Middle9.8 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% ($15,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$255,200.00
Periodic payment — Principal & Interest (monthly)$1,646.46
Additional monthly expenses (strata, tax, utilities, etc.)$117.58
Total monthly cost$1,764.05
Interest paid over 5-yr term$73,141.05
Balance at end of term$229,553.23

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$15,950
Stress test qualifying rate8.09%
Payment you must qualify for$2,330.35

Cash Needed at Closing

Minimum down payment$15,950
Estimated BC PTT$4,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$21,830

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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