Property Type: Detached HouseOwnership: Freehold

4536 97A Highway

Spallumcheen, BC V4Y0S1

$479,900

3 bed1 bath4 parking1,430 sqftBuilt 1960
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
1.79 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,875

Interior

Heating
Baseboard heaters, See remarks
Fireplace
Yes (1)
Fireplace type
Free Standing Metal
Flooring
Laminate

Exterior & Lot

Exterior features
Vinyl siding
View
Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — uncovered indicated
Features
Other

Room Dimensions

RoomLevelDimensions
Laundry roomMain level4' x 8'
DenMain level8'6'' x 10'
Full bathroomMain level8' x 12'
BedroomMain level8'6'' x 11'6''
BedroomMain level8'6'' x 10'
Dining roomMain level10' x 20'
Living roomMain level12' x 22'
Primary BedroomMain level10' x 13'
KitchenMain level12' x 14'

Listing Information

MLS®
10380314
Listed
March 24, 2026
Time on market
On the market for 160 days
Data last synced
August 28, 2026

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

Description

3 Bedroom, 1 Bathroom home on hard to find 1.79 Acres. Has had horses on the property previously. Some fencing done. Central location just north of Armstrong. Mountain views. Bring you own touches to turn this rare small acreage into your dream home. (id:63159)

Values & Trends

This listing

$336/sqft

Building average

No other active listings in this building

Armstrong/ Spall. average

$531/sqft

39 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

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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

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
Armstrong ElementaryElementary2.2 km
Len Wood Middle SchoolMiddle2.3 km
Pleasant Valley SecondarySecondary2.4 km
Highland Park ElementaryElementary2.8 km
North Okanagan Junior Academy(Independent)Elementary/Middle8.0 km
Vernon Christian School(Independent)K-1213.8 km
M.V. Beattie ElementaryElementary14.3 km
A.L. Fortune SecondaryK-1214.9 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

Cafes (1)

  • Tim Hortons299 m

Parks (1)

  • Armstrong Lions Park501 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($23,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$383,920.00
Periodic payment — Principal & Interest (monthly)$2,476.92
Additional monthly expenses (strata, tax, utilities, etc.)$311.58
Total monthly cost$2,788.50
Interest paid over 5-yr term$110,032.58
Balance at end of term$345,337.28

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$23,995
Stress test qualifying rate8.09%
Payment you must qualify for$3,505.75

Cash Needed at Closing

Minimum down payment$23,995
Estimated BC PTT$7,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$33,093

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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