Property Type: Land / LotOwnership: Freehold

4765 SPRUCE Crescent

Barriere, BC V0E1E0

$97,600

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Property Details

Property & Lot

Sub-type
Other
Lot size
0.21 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$688

Interior

Fireplace
None

Listing Information

MLS®
10385123
Listed
April 28, 2026
Time on market
On the market for 126 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Integrity Realty · Data source: CREA DDF.

Description

Bare Lot in Barriere in popular Riverwalk, the newest subdivision in the area. Build your dream home in this quiet area of one road in and same road out. Little to no traffic. Fully serviced bare lot offers water, power and sewerage at the property line. Large parks and river trails going to the wondrous nature of the Barriere River. Barriere offers a perfect mix of convenience and charm. Walking distance to local shops, schools, with outdoor recreation right at your doorstep. (id:63159)

Location Insights

Weather

Nearest station: Clearwater

19°C

Humidity 61%

Wind N 5 km/h

Tonight

Tuesday

26°

Tuesday night

11°

Wednesday

22°

Wednesday night

11°

Thursday

16°

Source: Environment and Climate Change Canada.

Population

1,765

(2021 Census)

+3% since 2016

Density: 164.5/km²

Dwellings: 848

Median household income: $66,500

After-tax: $62,000

Immigrant population: 6.9%

Top countries of origin (% of total population)

  • United Kingdom2% · 35
  • United States of America1.1% · 20
  • Germany0.8% · 15

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Barriere Elementary-SecondaryK-12487 m
Barriere ElementaryElementary1.5 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: Kamloops-Thompson (SD73)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($4,880) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$78,080.00
Periodic payment — Principal & Interest (monthly)$503.75
Additional monthly expenses (strata, tax, utilities, etc.)$57.33
Total monthly cost$561.08
Interest paid over 5-yr term$22,377.95
Balance at end of term$70,233.21

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$4,880
Stress test qualifying rate8.09%
Payment you must qualify for$712.98

Cash Needed at Closing

Minimum down payment$4,880
Estimated BC PTT$976
Legal / closing costs (typical estimate)$1,500
Total cash needed$7,356

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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