Property Type: Detached HouseOwnership: Freehold

4520 Highway 3

Rock Creek, BC V0H1Y0

$1,550,000

2 bed3 bath4 parking1,811 sqftBuilt 1988
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
103 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,958.07

Interior

Heating
Heat Pump, See remarks
Cooling / A/C
Heat Pump
Fireplace
Yes (1)
Fireplace type
Propane, Unknown

Exterior & Lot

Pool
Outdoor pool

Parking

Total spaces
4 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
4pc Ensuite bathSecond level
3pc Ensuite bathSecond level
BedroomSecond level13'8'' x 16'1''
Primary BedroomSecond level16'6'' x 14'5''
4pc BathroomMain level
Laundry roomMain level7'4'' x 10'6''
KitchenMain level21'4'' x 9'8''
Living roomMain level23' x 17'1''

Listing Information

MLS®
10368990
Listed
November 10, 2025
Time on market
On the market for 294 days
Data last synced
August 28, 2026

Listing provided by: Landquest Realty Corporation · Data source: CREA DDF.

Description

Set on 103 fully fenced and usable acres, this rural estate blends modern infrastructure with the best of country living. Located just 40 minutes from Osoyoos, it offers a more affordable alternative to the Okanagan while maintaining easy access to amenities and recreation. Between 2019 and 2021, the property saw major upgrades including 400-amp power with a 20-kW propane backup generator, a new septic system, and a 730-foot water well with advanced purification producing 20 gallons per minute. The 2,278 square foot, three-bedroom home was completely rebuilt in 2019 by journeyman trades, featuring Rockwool insulation, a custom kitchen with quartz counters, heated tile floors, and a propane fireplace. French doors and large windows fill the home with natural light, while stamped concrete walkways and a covered patio bar create an inviting year-round living space. The outdoor area overlooks the Kettle River Valley with a pool 1 hot tub, and built-in bar surrounded by mountain views. Supporting improvements include a new four-car garage with office, a large machine shed, and a two-bedroom barn loft finished in 2021. The heated barn, fenced pens, open pasture, and natural pond make the land ideal for livestock or hobby farming. With fertile soil, excellent water, and quality infrastructure, this peaceful property offers. (id:63159)

Values & Trends

This listing

$856/sqft

Building average

No other active listings in this building

Rock Crk. & Area average

$696/sqft

16 active listing(s)

Parking: 4 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

23°C

Humidity 43%

Wind S 7 km/h

Tonight

Tuesday

26°

Tuesday night

12°

Wednesday

17°

Wednesday night

11°

Thursday

14°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
West Boundary ElementaryElementary2.1 km
Boundary Central SecondarySecondary18.8 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: Boundary (SD51)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($310,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,240,000.00
Periodic payment — Principal & Interest (monthly)$8,000.06
Additional monthly expenses (strata, tax, utilities, etc.)$337.51
Total monthly cost$8,337.57
Interest paid over 5-yr term$355,387.56
Balance at end of term$1,115,384.01

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$310,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,535.17

Cash Needed at Closing

Minimum down payment$310,000
Estimated BC PTT$29,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$340,500

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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