Property Type: Detached HouseOwnership: Freehold

405 RAFT WEST FSR Road

Clearwater, BC V0E1N1

$695,000

3 bed3.5 bath1 parking3,213 sqftBuilt 2001
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
9.91 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,532.34

Interior

Basement
Full
Heating
Baseboard heaters, In Floor Heating, Electric, See remarks
Fireplace
Yes (1)
Fireplace type
Propane, Unknown
Flooring
Hardwood, Ceramic Tile, Mixed Flooring

Exterior & Lot

Exterior features
Wood siding
View
View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
1 — covered indicated
Features
Attached Garage, RV

Room Dimensions

RoomLevelDimensions
BedroomSecond level14'0'' x 21'0''
Laundry roomMain level10'6'' x 14'6''
Living roomMain level8'0'' x 14'0''
Primary BedroomSecond level14'0'' x 21'0''
BedroomMain level14'0'' x 17'0''
FoyerMain level8'0'' x 16'0''
OfficeMain level8'0'' x 14'0''
Dining roomMain level12'6'' x 15'0''
KitchenMain level18'0'' x 19'0''
5pc BathroomMain level
3pc BathroomSecond level
2pc BathroomMain level

Listing Information

MLS®
10389913
Listed
June 6, 2026
Time on market
On the market for 86 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Westwin Realty · Data source: CREA DDF.

Description

Perched on a scenic hillside overlooking the beautiful North Thompson Valley, this custom-built home sits on 9.9 private acres and offers breathtaking views, exceptional space, and endless potential. Originally constructed in 2001 as a higher-end custom residence, the home features a spacious open-concept design with large principal rooms and quality craftsmanship throughout. The main level offers a bright and functional layout with a generous kitchen complete with a large pantry, an adjoining dining area, and a welcoming living room positioned to take advantage of the stunning valley views. The spacious primary bedroom includes a full ensuite featuring a classic clawfoot tub, while an office, powder room, laundry room, and convenient access to the attached garage and bonus storage/flex room complete the main floor. Upstairs, there is space for two additional bedrooms, including one with its own ensuite bathroom, providing flexibility for family or guests. The unfinished basement offers ample opportunity for future development and customization. The entire exterior was repainted in 2025. Connected to city water, this property combines rural privacy with modern convenience. The treed and gently sloping 9.9-acre parcel provides a peaceful natural setting while maintaining spectacular views of the surrounding valley. A great opportunity to own a custom private property with incredible potential in a sought-after Clearwater location. Schedule your private viewing today. (id:63159)

Values & Trends

This listing

$216/sqft

Building average

No other active listings in this building

Clearwater average

$400/sqft

38 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

19°C

Humidity 61%

Wind N 5 km/h

Tonight

Tuesday

26°

Tuesday night

11°

Wednesday

22°

Wednesday night

11°

Thursday

16°

Source: Environment and Climate Change Canada.

Population

2,388

(2021 Census)

+2.8% since 2016

Density: 42.9/km²

Dwellings: 1,145

Median household income: $68,000

After-tax: $62,000

Immigrant population: 6.6%

Top countries of origin (% of total population)

  • United States of America1.7% · 40
  • United Kingdom1.3% · 30
  • Netherlands0.8% · 20

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Raft River ElementaryElementary1.8 km
Clearwater SecondaryElementary3.5 km
Vavenby ElementaryElementary19.2 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: Kamloops-Thompson (SD73)

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($44,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$556,000.00
Periodic payment — Principal & Interest (monthly)$3,587.12
Additional monthly expenses (strata, tax, utilities, etc.)$622.03
Total monthly cost$4,209.15
Interest paid over 5-yr term$159,351.20
Balance at end of term$500,123.80

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$44,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,002.12

Cash Needed at Closing

Minimum down payment$44,500
Estimated BC PTT$11,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$57,900

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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