Property Type: Land / LotOwnership: Freehold

4125 Ross Spur Road

Fruitvale, BC V0G1L1

$445,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
50.5 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$1,352.6

Interior

Fireplace
None

Exterior & Lot

View
Mountain view, Valley view
Waterfront
Other

Listing Information

MLS®
10358434
Listed
August 6, 2025
Time on market
On the market for 390 days
Data last synced
August 28, 2026

Listing provided by: Fair Realty (Nelson) · Data source: CREA DDF.

Description

50 acres of absolute bliss. The possibilities are endless with this majestic piece of land. Start a commercial venture on the lower plateau with roughly 7 acres of flat, mostly cleared, land. Build a dream home and spend your days walking the many trails. Or maybe rezone and develop that subdivision plan that's been in the back of your mind. What ever you choose the wildlife will likely be your only visible neighbour, from elk, deer, rabbit, bobcat, turkey, moose, black bear, to even the odd grizzly bear. Located 15 minutes from Fruitvale and Salmo, and only 30 minutes to Castlegar and Trail. (id:63159)

Location Insights

Weather

Nearest station: Trail

18°C

Humidity 50%

Wind NNW 2 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Population

1,958

(2021 Census)

+2% since 2016

Density: 725.2/km²

Dwellings: 881

Median household income: $83,000

After-tax: $73,500

Immigrant population: 7.1%

Top countries of origin (% of total population)

  • United Kingdom2.3% · 45
  • Germany0.8% · 15
  • Mexico0.5% · 10
  • United States of America0.5% · 10
  • Italy0.5% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Fruitvale ElementaryElementary11.0 km
Salmo SecondaryK-1212.6 km
Salmo Elementary SchoolElementary13.1 km
Kinnaird ElementaryElementary18.2 km
Glenmerry ElementaryElementary18.3 km
Kootenay Columbia SecondarySecondary20.3 km
J Lloyd Crowe SecondaryElementary20.3 km
St Michael's Elementary(Independent)Elementary20.6 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)

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Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($22,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$356,000.00
Periodic payment — Principal & Interest (monthly)$2,296.79
Additional monthly expenses (strata, tax, utilities, etc.)$112.72
Total monthly cost$2,409.51
Interest paid over 5-yr term$102,030.62
Balance at end of term$320,223.15

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$22,250
Stress test qualifying rate8.09%
Payment you must qualify for$3,250.80

Cash Needed at Closing

Minimum down payment$22,250
Estimated BC PTT$6,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$30,650

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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