Property Type: Detached HouseOwnership: Freehold

45992 GURNEY ROAD, Cultus Lake East

Cultus Lake, BC V2R5A8

$549,000

4 bed2 bath1,235 sqftBuilt 1974
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
48,351.6 square feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$569.76 (2025)

Interior

Basement
Full
Heating
Natural gas
Fireplace
None

Exterior & Lot

View
Mountain view, Valley view, View (panoramic)

Parking

Features
Additional Parking

Room Dimensions

RoomLevelDimensions
Living roomMain level
KitchenMain level
Primary BedroomMain level
Bedroom 2Main level
Bedroom 3Main level
Bedroom 4Main level

Listing Information

MLS®
R3118817
Listed
May 4, 2026
Time on market
On the market for 119 days
Tax assessment year
2025
Data last synced
August 28, 2026

Listing provided by: eXp Realty · Data source: CREA DDF.

Description

Discover a beautifully renovated 4-bedroom, 2-bath hillside home on 1.1 acres of private, forested land in the highly desired Cultus Lake area. This property offers the perfect blend of comfort and tranquility, with everything upgraded from top to bottom"-including a brand-new kitchen, modern bathrooms, refreshed bedrooms, updated flooring and lighting, plus a stunning new patio. Best of all, this is a freehold, non-strata title"-meaning no strata fees, low property taxes, and Airbnb allowed. Whether you're searching for a year-round lakeside retreat, a smart short-term rental investment, or a future dream-home location, this versatile property delivers endless potential. Enjoy close access to Cultus Lake, golf, and incredible outdoor recreation. A rare gem you won't want to miss! * PREC - Personal Real Estate Corporation (id:63159)

Values & Trends

This listing

$445/sqft

Building average

No other active listings in this building

Cultus Lake average

$641/sqft

16 active listing(s)

Parking: Not indicatedStorage 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: Chilliwack

16°C

Humidity 88%

Wind ENE 2 km/h

Tonight

13°

Tuesday

21°

Tuesday night

13°

Wednesday

20°

Wednesday night

11°

Thursday

19°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Cultus Lake Swílhcha Community SchoolElementary1.8 km
Promontory Heights Community ElementaryElementary3.1 km
GW Graham SecondarySecondary3.8 km
Vedder ElementaryElementary4.1 km
Mount Slesse Middle SchoolElementary4.4 km
Watson ElementaryElementary4.5 km
Vedder Middle SchoolMiddle4.8 km
Unsworth ElementaryElementary4.9 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: Chilliwack (SD33)

Mortgage & Ownership Cost Calculator

Minimum required: 5.4% ($29,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$439,200.00
Periodic payment — Principal & Interest (monthly)$2,833.57
Additional monthly expenses (strata, tax, utilities, etc.)$109.48
Total monthly cost$2,943.05
Interest paid over 5-yr term$125,875.98
Balance at end of term$395,061.82

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$29,900
Stress test qualifying rate8.09%
Payment you must qualify for$3,991.70

Cash Needed at Closing

Minimum down payment$29,900
Estimated BC PTT$8,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,380

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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