Property Type: Detached HouseOwnership: Freehold

4358 Chamberlaine Road

Spallumcheen, BC V4Y0M1

$959,900

4 bed3.5 bath7 parking1,558 sqftBuilt 1978
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
19.94 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,400

Interior

Basement
Full
Heating
Baseboard heaters, Stove, Wood
Fireplace
Yes (2)
Fireplace type
Free Standing Metal

Exterior & Lot

Exterior features
Wood

Building

Roof
Metal, Unknown

Parking

Total spaces
7 — covered indicated
Features
Carport

Room Dimensions

RoomLevelDimensions
Full bathroomBasement6'4'' x 7'8''
BedroomBasement11'1'' x 13'2''
Full bathroomMain level
BedroomMain level8'7'' x 10'2''
BedroomMain level10'11'' x 10'
Partial ensuite bathroomMain level
Primary BedroomMain level11'1'' x 13'7''
KitchenMain level8'7'' x 9'11''
Dining roomMain level9'1'' x 9'11''
Living roomMain level11'5'' x 27'5''

Listing Information

MLS®
10398457
Listed
August 21, 2026
Time on market
On the market for 10 days
Data last synced
August 28, 2026

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

Description

Enjoy privacy galore & beautiful valley views from this 20 acre property/home located just 10 minutes outside of Armstrong. Ideal family rancher with 4 bedrooms & 3 baths. Huge, east facing, sunny living room w/wood burning fireplace & access to a large deck for outside living. Good sized, u-shaped kitchen with pantry cupboards and adjacent dining room has space for family gatherings. The main floor offers 3 bedrooms incl a generous sized master bedroom with handy 2pc ensuite & an updated main bath. The full daylight basement is NEWLY DRYWALLED with a clean painted floor & ready for your finishing touches. 4th bedroom & 3pc bath down. With walk-out access this space could easily accommodate a suite. Electric baseboard heat with a certified wood stove for backup but natural gas is at the road. Home also boasts a BRAND NEW SEPTIC SYSTEM, freshly painted exterior & new crushed rock driveway. There is a water softener and pressure tank for the well in the basement for easy access. Newer metal roof means you don't have to worry about that expense any time soon & there is a double carport to keep the snow off your vehicles. The property also features a pole barn with a couple of stalls that could be used for multiple purposes. The 20 acres is mostly perimeter fenced & consists of a lovely forest with several open areas. With a little elbow grease the trail system on the property could be used for all kinds of outdoor recreation through-out the year. Country living at it's best! (id:63159)

Values & Trends

This listing

$616/sqft

Building average

No other active listings in this building

Armstrong/ Spall. average

$524/sqft

39 active listing(s)

Parking: 7 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: Vernon

18°C

Humidity 66%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,307

(2021 Census)

+3.9% since 2016

Density: 20.8/km²

Dwellings: 2,099

Median household income: $84,000

After-tax: $76,500

Immigrant population: 7.6%

Top countries of origin (% of total population)

  • United States of America1.3% · 70
  • Germany1.2% · 65
  • United Kingdom1.1% · 60
  • Netherlands1% · 55
  • South Africa, Republic of0.4% · 20
  • Russian Federation0.2% · 10
  • Philippines0.2% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Highland Park ElementaryElementary4.1 km
Len Wood Middle SchoolMiddle4.3 km
Pleasant Valley SecondarySecondary4.4 km
Armstrong ElementaryElementary4.5 km
North Okanagan Junior Academy(Independent)Elementary/Middle8.2 km
M.V. Beattie ElementaryElementary12.2 km
A.L. Fortune SecondaryK-1212.9 km
Silver Creek Elementary SecondaryElementary/Middle15.9 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.

School district: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 7.4% ($70,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$767,920.00
Periodic payment — Principal & Interest (monthly)$4,954.36
Additional monthly expenses (strata, tax, utilities, etc.)$444.67
Total monthly cost$5,399.03
Interest paid over 5-yr term$220,088.08
Balance at end of term$690,746.52

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$70,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,835.41

Cash Needed at Closing

Minimum down payment$70,990
Estimated BC PTT$17,198
Legal / closing costs (typical estimate)$1,500
Total cash needed$89,688

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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