Property Type: Condo / ApartmentOwnership: Strata

4634 Charles Road Lot# 13

Mirror Lake, BC V0G1M0

$325,000

2 bed2 bath2 parking752 sqft
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
43.57 acres

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$258/mo
Annual property tax
$937.62

Interior

Heating
Baseboard heaters, Stove, Electric, Wood
Fireplace
None

Exterior & Lot

View
Lake view, Mountain view

Parking

Total spaces
2 — covered indicated
Features
Detached Garage, Covered

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
3pc BathroomMain level5'10'' x 6'10''
4pc BathroomMain level3'10'' x 5'10''
BedroomMain level6'8'' x 7'7''
Primary BedroomMain level9'4'' x 15'3''
FoyerMain level7'4'' x 9'7''
Dining roomMain level11'8'' x 13'
KitchenMain level7'7'' x 15'2''
Living roomMain level12'1'' x 13'

Listing Information

MLS®
10396574
Listed
August 5, 2026
Time on market
On the market for 26 days
Data last synced
August 28, 2026

Listing provided by: Oakwyn Realty Ltd. · Data source: CREA DDF.

Description

Nestled along the west shores of beautiful Kootenay Lake, this unique cooperative share offering provides an affordable opportunity to enjoy lakeside living in a peaceful, natural setting. Located at 4634 Charles Road, this spacious property features a double garage, single carport, and a thoughtfully designed home built around a travel trailer, creating a comfortable and functional residence suitable for year-round living. Inside, you'll find two bedrooms, two full bathrooms, a well-appointed kitchen, a spacious living and dining area warmed by a cozy wood-burning stove, a large foyer, and a covered deck where you can relax while taking in breathtaking views. One of the property's standout features is its convenient access to two shared beaches. The southern beach is just a short walk and includes boat access, while the northern beach offers another peaceful spot to swim, launch a paddleboard or kayak, or simply soak in the beauty of the lake. It's the perfect place to experience everything Kootenay Lake has to offer. As a cooperative shareholder, you'll own 54,196/1,670,249 shares in more than 43 acres of stunning waterfront and forested land, with the potential for future subdivision, adding to the property's long-term appeal. Whether you're searching for a full-time residence, a recreational getaway, or a peaceful retreat surrounded by nature, this one-of-a-kind property offers exceptional value, incredible scenery, and an opportunity to embrace the Kootenay lifestyle. (id:63159)

Values & Trends

This listing

$432/sqft

Building average

No other active listings in this building

Balfour to Kaslo West average

No comparable active listings

Parking: 2 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: Nelson

12°C

Humidity 85%

Wind SE 3 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
J V Humphries Elem-SecondaryK-1210.5 km
Crawford Bay Elem-SecondaryK-1216.1 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)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($16,250) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$260,000.00
Periodic payment — Principal & Interest (monthly)$1,677.43
Additional monthly expenses (strata, tax, utilities, etc.)$374.62
Total monthly cost$2,052.05
Interest paid over 5-yr term$74,516.75
Balance at end of term$233,870.84

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$16,250
Stress test qualifying rate8.09%
Payment you must qualify for$2,374.18

Cash Needed at Closing

Minimum down payment$16,250
Estimated BC PTT$4,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$22,250

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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