Property Type: Detached HouseOwnership: Freehold

4037 Santa Road

Scotch Creek, BC V0E1M5

$864,000

5 bed2 bath5 parking2,300 sqftBuilt 1995
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.48 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,321

Interior

Heating
Baseboard heaters, Stove, See remarks, Wood
Fireplace
None

Exterior & Lot

Lot features
Private setting

Building

Water source
Well
Sewer
Septic tank
Parcel ID (PID)
016-650-859

Parking

Total spaces
5 — covered indicated
Features
Attached Garage, Carport

Room Dimensions

RoomLevelDimensions
3pc BathroomLower level8'2'' x 8'3''
FoyerLower level9'1'' x 15'6''
DenLower level10'4'' x 12'7''
BedroomMain level17'1'' x 12'11''
BedroomMain level15'1'' x 12'11''
Primary BedroomMain level17'6'' x 11'10''
3pc BathroomMain level10'7'' x 10'5''
BedroomMain level13'2'' x 9'4''
BedroomMain level13'1'' x 11'10''
Living roomMain level22'2'' x 15'9''
KitchenMain level20'10'' x 20'11''

Listing Information

MLS®
10379820
Listed
March 20, 2026
Time on market
On the market for 164 days
Data last synced
August 29, 2026

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

Description

Stop the car Dear this is the one!!! Stunning Turnkey Home with Massive Shop – Just Steps from the Lake in Scotch Creek! Welcome to your dream property in the heart of Scotch Creek! Situated on just under half an acre, this fully renovated and completely turnkey home is a rare gem. Boasting 5 spacious bedrooms and 2 beautifully updated bathrooms, this home is the perfect blend of comfort, style, and function — ideal for families or trades professionals alike. Step inside to find a thoughtfully designed layout with modern finishings throughout, from the sleek kitchen and open-concept living space to the high-quality flooring and custom touches. Outside, enjoy a large, private yard featuring apple, pear, and cherry trees — perfect for entertaining, gardening, or simply soaking in the peace of the Shuswap lifestyle. The true highlight? A massive attached shop that’s a tradesman’s dream — offering endless space for projects, storage, or all your recreational toys. This property has it all — space, upgrades, charm — and it’s only a short walk to the lake, making summer adventures and beach days effortlessly accessible. Turn the key and start living your Shuswap dream today! (id:63159)

Values & Trends

This listing

$376/sqft

Building average

No other active listings in this building

North Shuswap average

$487/sqft

73 active listing(s)

Parking: 5 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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

15

2/9 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
Sorrento ElementaryElementary4.4 km
North Shuswap ElementaryElementary/Middle7.3 km
Carlin Elementary MiddleElementary/Middle13.4 km
Haldane ElementaryElementary20.4 km
Chase Elementary-SecondaryElementary20.5 km
Shuswap SDA(Independent)Elementary/Middle23.4 km
North Canoe ElementaryElementary23.9 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.

Nearby Places

Restaurants (1)

  • The Hub494 m

Parks (1)

  • Unnamed494 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 7.1% ($61,400) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$691,200.00
Periodic payment — Principal & Interest (monthly)$4,459.39
Additional monthly expenses (strata, tax, utilities, etc.)$308.42
Total monthly cost$4,767.80
Interest paid over 5-yr term$198,099.91
Balance at end of term$621,736.64

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$61,400
Stress test qualifying rate8.09%
Payment you must qualify for$6,171.71

Cash Needed at Closing

Minimum down payment$61,400
Estimated BC PTT$15,280
Legal / closing costs (typical estimate)$1,500
Total cash needed$78,180

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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